They seem to like the dry of the desert rather than the moist of So TX, and FL. 

For those who’ve structured wraparound mortgages, what strategies have you used to avoid triggering the due-on-sale clause?

@Kevin Hoover, with certain types of entities it is possible to contribute property to and distribute property from that entity without triggering a tax event. 

Kiln dry and plane worth $96,000.  

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. 

In the really dry months, it can be helpful to water the perimeter of the foundation so the dirt doesn't crack below it.

However, to my understanding, a 1031 conversion of an investment property to your primary residence after a safe harbor of two years does not trigger a tax event.

BUT I have also heard that it could trigger a due on sales clause, bringing the note fully due at any moment.

A few months go by and unbeknownst to me the escrow account had now drawn negative which triggers the lender to no longer apply what’s considered a “partial” payment to them, given that I’m now paying less that what’s due given the escrow increase required but not relayed to me even though I expected it at some point.Last month I’m on Zillow looking at the value of my properties.

Turns out, the previous owner did take many steps to mitigate the moisture damage and the home was very dry and mold free when we acquired it.