Take ownership of your mistake and learn to do the proper due diligence recommended above😊

And how do I roll this into a cheaper mortgage (my dti would be too bad for another conventional).Maybe a lender would be able to consider the electric "working" with the proper inspection?

The "due on sale" clause (DoSC) obligates the seller to notify the lender if the property is sold.Failing to do so would place the seller in violation of this agreement, giving the lender the right to accelerate the loan.But no laws are being broken here.So, subto is neither legal nor illegal.Second, it only works because most lenders are more interested in receiving payments than in invoking the DoSC clause and foreclosing on the property.But, it can work, provided seller and buyer are both on board and the proper process is followed.

So, there must be a way to do this properly, as they must be doing it.

If they pass all of the checks and have the proper income then they have a shot at moving in.

Take ownership of your mistake and learn to do the proper due diligence recommended above😊Please send us any feedback via email, as we do not use the DM feature here.

It's great for a landlord if the tenant is properly screened. 

Proper documentation ensures you’re prepared to substantiate your claims.Federal REP or STR material participation allows you to deduct rental losses against active income, significantly reducing your tax liability.

Foremost, Proper are 2 big ones.Don't skimp and get the place insured properly.

Obviously each deal is unique and requires proper due diligence.