Technically yes. Moving a property from your personal name into an LLC transfers title, and most mortgages give the lender the contractual right to call the balance when title changes. In practice the clause is very rarely triggered while the payments keep arriving on time. Among investors who routinely move properties into entities, an actual call is something you almost never hear about. The due-on-sale clause is a right the lender holds; exercising it is a business decision on their end, and a performing loan gives them little reason to make it. The risk gets more real when you give the lender a reason to look: - The loan goes delinquent. - The loan carries an unusually low legacy rate (say a 3% loan in a much higher-rate environment) that the servicer would rather clear off its books. One nuance people miss: transferring the property back out of the LLC to yourself is also a transfer of title, with the same considerations attached. This sits squarely in legal and loan-agreement territory. Talk to a real estate attorney before you move title, and consider asking your servicer directly. This is general information, not legal advice.