I do find, everyone has a different definition of what a bubble is.It is worth noting that median household income in Denver is flat since 2005, when adjusted for inflation.  

Indianapolis median household income is $42,076 in 2010-2014 and has grown by 5.06% since 2000.

@Max Householder--That second paragraph is gold, and I'm going to apply that plan moving forward.

Although there are no foreseeable catalysts in turbocharging household incomes or population growth, there are no foreseeable cataclysmic events that should shake that up.

I grew up in Southeast Houston, Texas with my sister in a single-parent household after my parents divorced.

@Max Householder Looks like Connected Investors just released something that is very similar to what you are describing.

@Jon Holdman is talking about the Garn St Germain Act of 1982"Part C Preemption of Due on Sale Prohibitions DUE-ON SALE CLAUSES (d) A lender may not exercise its option pursuant to a due-on-sale clause upon--, (1) the creation of a lien or other encumbrance subordinate to the lender's security instrument which does not relate to a transfer of rights of occupancy in the property; (2) the creation of a purchase money security interest for household appliances; (3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) the granting of a leasehold interest of three years or less not containing an option to purchase; (5) a transfer to a relative resulting from the death of a borrower; (6) a transfer where the spouse or children of the borrower become an owner of the property; (7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; (8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or (9) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board. " The Full Act is at https://en.wikipedia.org/wiki/Garn%E2%80%93St.

A simple list of "before" assets and "after" assets in general categories (household goods, vehicles, cash, retirement accounts, real estate, collections) and itemized liabilities is usually sufficient.

So to get a 4 BR voucher you’d have to have an 8 person household.

Or maybe its 6+ owner.according to municipal code 20.150.040:Household.