I actually had a fire MYSELF, yes personally. 

In Dayton, I find most of my clients like A/B class 1-4 units because they can actually cash flow AND be in great areas.

Hey Jamie, I am actually a property manager located in Jacksonville, FL and work with several investors in the area.

It was actually more of a townhouse (just zoned as a condo).

I doubt it was actually live.

Weirdly, you may actually be able to get better terms and/or more LTV on the refinance if there is debt on the property as lenders have rules for max cash in hand (max proceeds you get at closing) for cash-out refinances.  

How many Due on Sale clauses have you actually seen enforced?

I set my rent standards a little high and realized that rent is actually not that high.. we have a morgage on it and it looks like the house is selling for more than we originally paid 4 years ago.

@Emeka Okeke, the biggest thing is actually doing it.  

They aren't the actual bank so need to upcharge these fees and hoping in volume they can make enough to continue operating.