If you have an excellently qualified prospective tenant who would be in if there was a fence, then you could pull the trigger at that point.

Being a newbie I feel I'm missing something and scared to pull the trigger there.

Folks that are pulling the trigger on investment properties right now are generally fine with near-term negative cash flow, or they are putting more than 20% down to get to equilibrium. 

The ability to pull the trigger when others run scared

I’d like to pull the trigger this week.

I also haven't found anyone on BiggerPockets that did this and triggered the "Due on Sale" clause.

I would definitely say pull the trigger though!

Realizing that you may be able to do this a couple of times but it can become a burden on the realtor if you never pull the trigger then try number 22.

banks dont do drivebys  unless they are local community banks who maybe worried about the borrower or collateral. as long as payments were being made there would be no reason to do a driveby.due on sale gets triggered by change of insurance .. but again very rare. 

Over 30 days is a LTR, triggers tenant rights and requires a long term lease.