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.

May I recommend anger management since you seem very triggered by me just trying to seek out some help in an area I'm not very familiar with.Cheers!

If you decide to move forward with the HELOC on the investment property, please note that it can be challenging to get a HELOC on an investment property.

I am coming up on the two year anniversary of my first home purchase and have been trying to decide how to proceed next.

I currently work with Ace Management and Reality and have worked with them for 3 years now.

I have personally seen subs who specialize in storm water management systems as well if that's something that is necessary.

Let us know what you decide, and if it was a good/bad idea in the future!

Our efficient project management ensured the renovations were completed on time and within budget.

Then find out if you really want to be a landlord.Then decide.

I don't have any experience in construction, property management or managing a project like this.