Just a family guy in law enforcement trying to leave my kids more than i Had.

They could in theory try to squeeze this into government guaranteed loan products, but it would be nearly impossible to enforce through that kind of mechanism.

However, I have seen cases where it is not enforced on zoned MF.  

Liens that remain generally are unpaid taxes, and involuntary liens including but not limited to code enforcement, unregistered permits, unpaid utilities, etc 

It is not "funny money".Just for giggles:Mortgage fraud is covered under the 2009 FERA (Fraud Enforcement and Recover Act).

However, enforcement of due-on-sale clauses can vary, and some lenders may not immediately call the loan due if payments are current and the sale does not trigger other concerns.Disclosure to Buyer: When selling a property "subject to," it's crucial to disclose this arrangement to the buyer.

The VA home loan has an escape clause, so appraisal gaps are not enforcable.

Who enforces these restrictions anyway?

Besides, they reason, the IRS does not really enforce the rule anyway (more on that later). 

What the contract says is irrelevant because the cost to enforce is far to great.