````````````````````````````````````````````````````````````Garn St Germaine(d) Exemption of specified transfers or dispositions With respect to a real property loan secured by a lien on residential real property containing less than five dwelling units, including a lien on the stock allocated to a dwelling unit in a cooperative housing corporation, or on a residential manufactured home, a lender may not exercise its option pursuant to a due-on-sale clause upon— (1) the creation of a lien or other encumbrance subordinate to the lender’s security instrument which does not relate to a transfer of rights of occupancy in the property; (2) the creation of a purchase money security interest for household appliances; (3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) the granting of a leasehold interest of three years or less not containing an option to purchase; (5) a transfer to a relative resulting from the death of a borrower; (6) a transfer where the spouse or children of the borrower become an owner of the property; (7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; (8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or (9) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board.

Partnerships are like marriage... 

Then came marriage, baby, new job, and various other typical excuses that prevented me from making the jump back into real estate, but now I'm back and making the plunge!  

Its possible yes from prior marriage, maybe one spouse co-signed for their sibling to get a FHA loan, but to have two primary residences and the occupancy issue relating from that would be the biggest issue.

After X years of passive acceptance w/o protest, it becomes likened to a Common Law Marriage - - it's yours by default.SEEK LEGAL ADVICE

Well, the marriage didn't work out so well, she sold her house, and she moved back in to our duplex last November!

I think we're going to just rent for a year until we can get some things worked on (business partner's marriage situation, poor credit, etc).

Us Three-One-Fivers need to stick together :-)Good plan buying a multifamily to owner-occupy, that'll get you way out ahead financially to start off your marriage.

Not for all couples, but it works for us, and there is an immense amount of financial trust in our relationship because everything is visible to both people.That's more marriage advice than real estate advice, but I couldn't imagine it any other way for us.

As far as the excuse for marriage, you got me!