I find it hard to believe that the rich/big corporations would open numerous accounts for coverage.

I refrain from getting into a detailed explanation of the wholesaling process for obvious reasons. 

Go to this link if you would like a more comprehensive explanation of the "Due on Sale Clause"... http://www.creonline.com/beat-the-due-on-sale-clause.html .In my lending career, I have dealt with countless homes that are deeded to to a trust or other entity, and other than having to deed the property out of the trust's or entity's name back to yours' (and then, back into the entity's after the transaction) in a transactional situation, the bank does not seem to care.

Dont give an explanation just state it and move on.

County officials either do an appraisal in the office or by driving properties and can be based on numerous things such as an increase in average sales price of houses in the county/area. 

I may not have survived the numerous swings we've encountered over that time period and I definitely wouldn't have been able to profit from them.

So it has to make sense and be for the right reasons (i.e. lower interest rate, avoid balloon payment, etc).A letter of explanation may suffice regarding your loss but again it depends on who the lender is and the underwriter working your loan.Bottom line like any lender, they want to make sure you are good for the loan and in the event you default (which we know is a liability they do not want to incur as it's all about performing notes), the collateral is worth backing the loan. 

I have read numerous posts on this site and they have been WONDERFUL!!...

Oh yes we have done exactly what you are describing numerous times.

I am not attempting to create any gimmicks or tricks but want to do it quickly with limited disturbance to the tenant or my schedule with having to do numerous showings.