My main concern is how to avoid activating the due-on-sale clause when transferring the deed.

We see too many posters turn angry when they don’t receive the answer they want…….Here’s my bottom line.  

The terms for a 2nd position loan on a rental is 6%, 25 year term,  and 2 points origination fee.  

I'm glad to see you're both nearing the finish line.

Here we're tripped by the latter.The debate on this thread centered on who is legally responsible for payments on a loan taken Subject-To.

Looking at 50% LTV currently.If your borrowing is TRULY at 50% LTV, a little creativity on your part should uncover potential lenders.  

The kitchen is on the first floor, and all the bedrooms are on the 2nd floor with a bathroom.

She moved out exactly a month if stay there and they left the place filthy also her son is not on the contract and I been told that many of them were living there while contract has only two people.

So ultimately this may require a discussion with counsel, and you may have to settle on splitting the cost.

There is a great group of members on here to connect with.