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.

As an individual looking for one off you will find it hard to find a title company that is going to do any serious work for free.Also there are a lot of time pay services that do put all this together for you.. 

Purchase price: $81,000 Cash invested: $210,000 Nearly full-gut rehab in the Captain's Landing Subdivision.

These are generally business loans based on assets and income of the property often structured as DSCR (Debt Service Coverage Ratio) loans.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Do you even know how to operate in a customer service oriented business?

And a debt service of $6k per month....

I don't believe a DSCR lender would transfer the obligation to a new borrower but please correct me if I am wrong..In general, it will be be a full income verification or full documentation application with the current lender directly and no other mortgage professional would be involved.

That is why you should request to review all contracts related to the property (not just leases, but other service contracts too, like pest control, cable tv, etc. that the owner may have) during your due diligence period of escrow. 

Wanted a full rehab using all cash.