In my almost 20 years of doing Subject 2's and working with other investors in almost every State in the US, in the very few instances the Due on Sale is called it is because if the inexperience of the Investor in not knowing how the transaction is to be done, (not closing with a Title Company or Attorney, not doing the Insurance correctly)Most of all, (not communicating with the seller) Bank calls the Seller to offer them Life Insurance or some other service, and the seller tells them, "I don't own that house any longer, some guy took that house from me and put some renter in it"If you dig into any investor that tells you they had a property or a friend of their brother in laws Collage roommate that had the Due on Sale clause called, you will most likely find that the investor screwed up somewhere.This is why Education and knowledge is needed on any Real Estate transaction.I get calls almost everyday from someone who screwed up on a Subject 2 and is asking to be bailed out, many times they do not want to pay for help, and things just get worse.If you know how to make the Bank Comfortable with the transaction, all is good.Last year I had a couple of hedge fund managers call me asking how they can offer their under preforming loans to Investors to by Subject 2, wow what a great deal, I could call Pace and he would have buyers the same day for a 1,000 homes, but the legal aspect of this would hold the Hedge fund liable so we could not do a deal.

I am comfortable offering cash to buy 150k deals with 1-2 day due diligence. 

In fact, in that mastermind group, I connected with a lot of high-level investors and that’s where I got the confidence to start investing in Costa Rica with partners that I met in that mastermind group.Your brother gave me some good advice of how to run a debt fund, which was super helpful.With regards to the lease option model, I feel super comfortable with it and I’ve done enough to see how profitable lease options are and I would say they’re much more profitable, and require a lot less effort once you are used to them, than any other type of real estate I’ve done over the past 15 years.I posted some numbers above that showed the difference of doing a partnership model or a debt model.

If you are comfortable with your structure that’s great!

Find out what works for you and your team on smaller deals then scale up once you start to get comfortable with multifamily. 

Long story short if you are committed to house hacking the sky is the limits and there is endless possibility, it really comes down to your comfort level and where exactly you need to be in New Jersey.

Make sure to keep tenants comfortable during the process, and leverage property management companies with investor connections for potential buyers.Good luck!

Don't see any major red flags here, so long as you are comfortable in the low income space.

For an unrenovated 1+Den/1BA LTR in our section of Northeast though, $1,300-1,400/month is certainly in the ballpark of what I could comfortably get with some very minor improvements to the space between tenants.So all that being said, I think your target of $1,500-1,600/month for your 2BR units would be more than doable. 

HI @Jacob KazmierskiI would suggest saving a certian % you fee comfortable with and then put the rest into a high yield savings account.