I'm a full time landlord now with three properties, and I've managed to accumulate $100K through short term rentals, long term tenants, and a bit of cryptocurrency on the side. 

I have already checked with my lender and they confirmed that if the property gets transferred into a LLC, the due-on-sale clause will take effect.

If/When (more like when) I open up a separate bank account for my rental income to be deposited into are there any specific rules for transferring it back to my personal account? 

@Joe P. so you don't care if the the title is any good, marketable or transferable? 

What happen when he need to transfer the deed in 23 year?

I can get 4% for 20 years - but I am unclear of a 'Prepayment Penalty": his 'contract'  :{5} Note:The borrower will be responsible make an origination fee PLEASE NOTE:this is the only fee expected to pay for this transaction to have your loan transferred to you as soon as possible by the bank transferring bank to your bank account, or which ever way you want your loan to be transfer to you If you fully agree on this terms and condition.Do you agree with the above terms and conditions?

It's tricky...we've thought about it ...and unless they are willing to transfer title to an entity that you both own, it may not work. 

To use a CC to help fund it, they are talking about doing a Balance Transfer, which is normally 0% interest  for 1 yr, with a 3-5% immediate fee.   

From what I can see, many title companies object to: (1) the wholesaler not paying the second set of realty transfer tax; or (2) the wholesaler not bringing any money to the table.

Though most say it is unlikely, transferring the title to another entity may trigger the due on sale clause so be aware of that as well.