I play sports most of the day Choice of 45 golf courses-most free for life, 140 pickleball courts, 2000 clubs to be part of, listen to music at 3 different venues each evening and have almost all properties under great management with a personal assistant overseeing them.

Well, of course the note and the mortgage are two different instruments.

The Bigger Pockets community has been instrumental in my investing growth!

This is the best instrument to transfer title.2.

I also enjoy dancing and Spanish music.

. :)That's kind, but I'd still be willing to bet that you've been more helpful/instrumental to my business than I've been to yours!

If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument.

From HUD themselves... 4155.1 4.B.2.bFHARequirementfor EstablishingOwnerOccupancyAt least one borrower must occupy the property and sign the securityinstrument and the mortgage note in order for the property to be consideredowner-occupied.FHA security instruments require a borrower to establish bona fide occupancyin a home as the borrower’s principal residence within 60 days of signing thesecurity instrument, with continued occupancy for at least one year.The entire text of the HUD requirements can be found here...http://portal.hud.gov/hudportal/documents/huddoc?

Most of the changes will be management changes, which will cost me more time than money.The second mortgage is just a security instrument.  

The only way it doesn't apply is if the lending instrument is an "open ended" loan.