For awhile it seemed like only SLS and Pennymac were buying loans and I got comfortable with their platforms but now I’ve got Lakeview, Mr.Cooper, Flagstar in the mix all with different systems. 

I'm more comfortable working within those parameters than others. 

A window A/C might keep it comfortable, but it often doesn’t meet the standard for counting it as fully finished square footage.

Unfortunately...I happen to have a front row seat to the Touzi one as well.

Besides directly contacting the employer, this is now the only way I feel comfortable verifying income—especially since pay stubs and bank statements are frequently being altered these days.

Although this is a long term investment and not in the main stream, it has added a certain level of comfort knowing the above potential investment risks are to a degree reduced.

What would help the community is for you to share as much info as you are comfortable, but the appraised values, current loan balances, and the current rents would be a good start. 

I'd feel more comfortable with 50/50, so the next big chunk goes to RE. 

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.