Here's the best sources and discussions I've found discussing the issue and laying out ways of getting around this clause:- Bill Bronchick - "There is no Due on Sale Jail"- CRE University - "How to beat the due on sale clause"- Robert Bruss - "The six pillars of assumption"- Richmond Law Review -"The due-on-sale clause: A marriage gone sour - a checklist for the practitioner" This one is an actual published law review, but it's old. 

@Douglas Mitchum, get hooked up with @Shelby Osborne of Fiver Pillars Realty!

Yes it is registered with a Reg D exemption, I for one am following the idea of having several pillars, not all eggs in one basket.  

But be careful adding those stone trimmed pillars and square columns to homes not in that style, for example Colonials - because they'll really look out of place.

Regarding asset protection I often break it down into the "four pillars" of protecting your assets.

We also pay extra to avoid the proverbial row of support pillars in the basement.

I am current reading the 48 Laws of Power by Robert Greene, and the next book I am going to read is The 10 Pillars of Wealth by Alex Becker. 

I often break it down into the "four pillars" of protecting your assets.

Those folks will not be a pillar of stability without some form of credit.  

It should be just a part of a retirement plan with many other pillars like rental properties or notes.