(E.G. a 200K house should bring in about 2K/month in gross rents.)3) Cap Rate : (<Gross Annual Rent> - <Total Annual Expenses EXCLUDING debt service>) / Purchase Price.

As of right now, my lenders will exclude my mortgage payment only if I'm renting out my property (they're requesting a lease agreement) or in the process of selling my house with the contingency, I find a new home. 3) I'm in no rush.

(In any case, it's worth asking your insurance agent what your policy includes and excludes)That being said, I completely agree that it's highly unlikely they would actually sue over something that is pretty open and shut - on what grounds could you see a judge awarding them damages?

Exclude extremely subprime, crime-ridden areas.

Immediately exclude all web studios that use WordPress for their sites.

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-clause 183825-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 LLC you own from the due on sale clause.

@Paul Choate, Excluding only rental income: You will still be subject to SE tax until you hit the limit for Social Security.

All (excluding lucky) successful fundamental investors and technical traders integrate a sound strategy for risk management, hedging is a component of what Buffet might call a fundamentally sound investment station. $66 is 1.2% of profit, if there is any chance of the described loss being incurred, risk reward ratios would insist hedging when it's cost is only 1.2% of profit.

I wouldn't exclude a potential tenant due to a bankruptcy in their past.....as long as it is not an ongoing chapter 13.  

The national association (MHI) responded with comments last week.Consider asking for chattel lending to be specifically excluded in writing, and failing that, to be excluded from the capital requirements.