It might trigger the "due on sale clause" though.2 - Portfolio Loans sound great, but this doesn't improve your debt to Income ratio...just the number of loans (maybe).  

I guess I was a little shy if pulling the trigger on HM

Hello BP community,I'm looking to pull the trigger on procuring my very first multi-family in re of the above subject matter.If you fit the profile of what I'm seeking, please feel free and contact me.Best Regards,Anthony

While many folks here will respond with good ideas, ultimately YOU need to educate yourself on how and when to pull the trigger.

In addition to the contacts Harry sends you, I would look also call the Customer Service center (you may be on hold for 15-20 minutes) and ask someone to see where in the process your file is.My observation has been that Sage is VERY segmented and relies on specific "email queues" and "file name conventions" to trigger each step of a long process.

If there is an existing mortgage on the property then your agreement with the seller could trigger their mortgage lender to foreclose on the property.

The DOS clause can be triggered when the home is sold.  

Just post around here and mention the areas you're looking to invest in and you'll surely trigger some people's keyword alerts.

In fact you will know so well you will be able to pull trigger on the deal quick before someone else does.

Keep in mind that they must maintain the payments or risk triggering the due on sale clause within their mortgage.