I own two rentals in my own name, and am wanting to change them over to a properly veiled structure, but have been told that it will trigger due on sale.

When I was young my father always talked about getting into that world but never truly pulled the trigger.

Looks like it was a decent deal and it's close to where you live, so kuddos to you for pulling the trigger and making it work!

I had researched the market a few years ago with the hope to invest in Tracy but was unable to pull the trigger, because of negative cash flow.

This will teach you a lot and give you the confidence to pull the trigger on your first purchase.Don't hire the cheapest vendor! 

Only a foreclosure action triggers that right.  

The reasons for this is that I heard the lender may not really allow me to transfer into an LLC, and may trigger some "due at sale" clauses like mentioned above.Therefore, I don't think I can really apply for a business bank account.

In the mean time, the HOA sale does trigger the due on sale clause in the loan, and that mortgage holder doesn't have to accept your payments and can demand payoff in full.

It wasn't until I was at my first duty station and finished my first two deployments that I decided to finally pull the trigger.

A great place to start isBP Ultimate Beginners GuideProbably not a bad thing that you didn't pull the trigger on the Masters program with Fortune Builders.