And by positive, I am, positive cash flow.  

Are you closing with cash? 

With a 700 credit, and solid property income, you should be pretty solid to pull cash out of that property.

Screen well upfront...most residents who do this have a recurring history of it.

Purchase price: $194,500 Cash invested: $42,000 Fits the perfect long term cash flow model

They're managed by a property manager and bring in about $3k per month in cash flow after fees.With a household income of around $600k (pre-tax) and $100k available for investment, I'm aiming to find investment strategies that prioritize cash flow over property appreciation.

Option 1:Pros:Simplicity: You avoid the potential complications of alerting the lender.Maintains Low-Interest Rate: Since your loan is at 3%, you continue benefiting from this favorable rate.Avoids Immediate Full Payment: You won’t be forced to come up with $45k immediately.Cons:Risk of Detection: If the lender identifies the payments coming from an LLC, they might call the loan due.Potential Consequences: If the lender enforces the due on sale clause, you might be forced to pay the remaining loan balance quickly.Option 2:Pros:Transparency: Being upfront might build trust with the lender.Possible Flexibility: Given your solid payment history, the lender might agree to the arrangement.Legal Compliance: You avoid any potential issues with violating the terms of your mortgage agreement.Cons:Risk of Loan Acceleration: The lender could still decide to call the loan due, forcing you to pay the remaining balance.Potential for Higher Payments: If forced to refinance, you might end up with a higher interest rate.Given the pros and cons of each option, but a cautious approach might be best:Consult a Real Estate Attorney: This can give you a clear understanding of your legal standing and potential risks.Evaluate the Importance of the 3% Rate: Weigh the benefits of keeping your low-interest rate against the risks of potentially having to pay off the loan early.Consider a Gradual Transition: This method allows you to continue benefiting from the low-interest rate while reducing the risk of triggering the due on sale clause.

Fortunately, all three inspectors (from different departments) were very supportive and one inspector even stated they will not return, even if another complaint is filed.I want to offer a cash-for-keys option, but since the tenant's attorney is from a nonprofit, I feel she will fight for her tenant to stay.

Took a course from someone I knew and seemed like a good way to get your foot in the door with no upfront investment.

I have the cash to put down 20% for the build but I want to keep it to put it into another rental property after this is complete.