I did trying to do one subject to loan an my real estate investor didn't know much about it. 

There are often automated flags that will be triggered if you do it, so it's best just to know how they will react.

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. 

However, to my understanding, a 1031 conversion of an investment property to your primary residence after a safe harbor of two years does not trigger a tax event.

Jeffrey:I'm connected to a large group in Indy that focuses on buy & hold SF and apartment (commercial) residential real estate. 

To thrive in real estate investing, you must maintain a firm grip on your finances.

That’s how the wealthy do it with real estate or businesses.

A 1031 exchange doesn’t apply, but funding through a self-directed IRA can defer taxes, though profits from debt financing may trigger UBIT.To reduce taxes, consider forming an LLC for better expense deductions, offsetting gains with investment losses, or holding the property for 12+ months to qualify for lower long-term capital gains rates.This post does not create a CPA-Client relationship.

@Matt Powers  Have you done any training, schooling in real estate investing? 

We have been in real estate (long-term rentals) for over 20 years now and looking forward to hanging up the maintenance hat.