Thanks @Jim Goebel,The St Germain Act excludes transfers to an Inter Vivos Trust (estate planning tool) from the Due on Sale Clause. https://en.wikipedia.org/wiki/Garn%E2%80%93St.

You have to of course do your own diligence, but it's a great way to get another datapoint, given the topline will drive everything else excluding the fixed expenses that are relatively straight forward.

Right now the house needs approximatelly $15,000 repairs, excluding the roof.

Merely parking a vehicle on it is not likely to be sufficient, but having a garden and storage shed on the property is sufficient -if done long enough and done in a manner that excludes the recorded owner. 

Not a protected class means they can be excluded without being discriminatory. 

Hi @Matt MimnaghWith your primary residence, as long as you have lived there 2 of the last 5 years and have not used the tax credit in the last two years, you can exclude $250,000 (single) or $500,000 (married) in capital gains.For the empty lot, if it was purchased as a separate parcel of land, I doubt you can avoid taxes on this sale.

Improvements will increase your adjusted basis and reduce your potential gain when you sell, assuming not all of the gain is excluded under Sec 121.Depending on the nature of the improvements, you may qualify for non-business energy tax credits, which are better than deductions.Make sure you run what you're doing and what you plan to do by your CPA, as he/she will know all of your facts and circumstances and can properly advise you.

Are they completely excluded from the calculation or are we able to include?

Can't include some (auto repair) and exclude others (real estate).If you need a DBA just for banking you don't need it to be in an LLC.

@Payton Guthrie A transfer most likely will trigger the Due on Sale clause (DOS) - and while in the past, in an environment of falling interest rates and prices might been a rare occurrence, like they say, past performance might not apply to future results, and with rates increasing and "aged" loans (where the bulk of the interest was already collected, since you pay most at the beginning part of the amortization schedule) the banks might be more interested in collecting on the DOS clause and redeploying the money at higher interest (especially if the valuation of property makes for an easy sale in case of foreclosure).A detailed resource on Due on Sale you might want to read is: the-truth-about-getting-around-due-on-sale-clauses.Also, these threads might be worth reading: 386043-bank-called-my-due-on-sale-clause183825-due-on-sale-clause-was-called-by-bank232247-due-on-sale-clauseAlso, FYI - The Fannie servicing guide, for about a year now, explicitly excludes a transfer into an Link.