My husband is a Myrtle Beach native, but we live near Charleston now. 

I am a California native.

I am a Nashville native and know the town well.My business is based off finding investor grade homes for hungry investors like yourself. 

I'm actually a native of Toledo.

Let me give you a brief summary of who I am:I am a Florida native.

If the Lender agrees, you have no problem in transferring the property; if they state that they will invoke the DoS Clause if the property is transferred, you know where they stand on the matter (so don't try to work around it).There is a time limit on their ability to react to you transferring a property into an entity in violation of the DoS Clause. 

How did you react? 

Everyone is way over reacting to the situation.

John:At this end of the country we have white cedar natively or red cedar shipped from the west coast - neither are available anywhere near the prices you mentioned above.Hemlock is a little softer, has great wetness resistance and is more affordable than cedar here.  

However my theory is that if it was that easy to get financing for a 4 plex maybe I am over reacting in regards to the need to make the changes.