What are the typical pre-payment and mortgage payment increase restrictions on a fixed rate residential mortgage in the U.S.A.?

This is typical let's beat up some landlords.

Experience Purchasing from Non-ProfitsPurchasing property from non-profit organizations often involves additional considerations compared to typical transactions:Decision-making process: Non-profits often have a board or committee that must approve property sales.

If you have lived in it for 2 yrs I would suggest renting it for 2 - 3 years and then selling it to avoid capital gains taxes. 

Sub to deals are risky for the buyer and typically provide little to no value for the seller. 

Here are some of its vitals:- Zestimate: $345K (I know this is typically 10% or so high)- Last Sold: 8/2021 for $281K- Roughly 1400 sqft- Some cosmetic work needed- $25K left on solar loan- The home was build in 2004 and it looks like it has the original AC unit, so I am assuming that needs to be replaced too. - 2 story house with very small rooms and and 2 steps down, imminently as you enter the front door.- Gated community and in a reasonable HOA. - The home is 2 payments behind and already got a letter from the lender about future foreclose.

It is slowly rotting and needs significant repairs to get it prepared to sell to a typical home buyer for a primary residence.

Typically the banks that say they can get it done in a few days I havent had luck with when getting creative as they underwrite the easy deals quickly.

What I've seen is that when asked to provide an assurance that a loan wouldn't be called because of a due on sale clause being triggered, the lender customer service typically just outright says it's not allowed, or default to a "no", because they see it as a black and white question, and miss why the due on sale clause is actually written into the mortgage document to begin with.If one is transferring property title from personal name, a Grant/Warranty Deed would be drafted/recorded to transfer title.

The equity gap can definitely be a challenge but there are still deals out there - typically with homes that were purchased in early 2022.