If you gift your share, it may trigger gift tax filing if the value exceeds the annual exclusion ($18,000 for 2024 and $19,000 for 2025), though no immediate tax is due if under your lifetime exemption.

Quote from @Isaac Terry: I was looking at homes in Akron & Clevand, they are affordable but since I'm out of state I'm not sure about pulling the trigger on investing. 

If you can find that deal, pull that trigger.

@Kevin Hoover, with certain types of entities it is possible to contribute property to and distribute property from that entity without triggering a tax event. 

For those who’ve structured wraparound mortgages, what strategies have you used to avoid triggering the due-on-sale clause?

If I had an answer to my money issue then I would quickly pull the trigger on a good deal. 

BUT I have also heard that it could trigger a due on sales clause, bringing the note fully due at any moment.

You have three choices...transfer the property and keep the loan in tact hoping they won't trigger due on sale, refinance into a loan that allows it, or simply leave things as they are. 

My Wife and I are going to pull the trigger in 2025 and are looking in the Central PA area to buy our first STR.

Don't over think this, pull the trigger actions create results.