You might check Texas statutes to see if this is possible.

Are they outside of the statute of limitations of when the laws kicked in?

Comptroller of the Currency for federally-chartered banks), later validated by Fidelity Federal Saving and Loan v. de la Cuesta case of 1982 to overrule California law and some Arizona statutes which appeared not to permit due-on-sale enforcement on the basis that a federal rule “pre-empted” state law under the federal supremacy clause of the U.S.

OK.FS475http://www.leg.state.fl.us/Statutes/index.cfm?

BTW, I'm not helping to get this BS thread to 100 posts, start another one with your posted exclusion by Cali statutes allowing net listings!

If you are not licensed, this section of statute does not apply to you.

Other states... check you statutes.

Each state has different laws covering this area so you need to review the specific statutes.  

Again, I see NO language in 20(a)(6) [the statute] that expressly EXCLUDES homesteaded multi-family properties homestead/occupied by the owner.

Few will go to the trouble of indendently researching the process nor the statutes, so this will be their only reference, for Alabama.