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. 

I locked in a few loans at 1.88 in 2020 that I feel like I cheated on, it doesn't seem fair for the bank. 

Wondering if you have advice on me just being the bank, where I purchase a house and structure a rent to own with him and have him build up a 30% cash down payment and some equity and then me sell the house to him at a locked in price.  

You would only pay taxes on all passive investments in a traditional SDIRA at distribution, unless you have a mortgage, then the portion of the income derived because of the mortgage will be subject to UDFI (unrelated debt finance income) which will trigger UBIT (unrelated business income tax). 

One more tip – people remember stories that trigger their emotions.

(i would have a sign that says you assume all risk when taking down this fence)-Have the fence gated and make sure you have a locking (or at least a latching) gate. 

The ability to get funding in just a few days can make a world of difference, allowing investors to act quickly and lock in the best opportunities.I’m curious, in your experience, what strategies have you found most effective for building strong relationships with reliable direct lenders?

Try to lock in on one market and learn it.

@Nicole ShoafYou are correct and have equity locked up in those units, a good lender can give you options on HELOCs or other loan products that could help get some equity out without selling.

This could also lock in a long-term fixed rate if you’re concerned about market fluctuations.3.