As far as the acceleration clause: If you signaled your intent to the lender via a phone call that you were going to place title into an LLC that you and your brother owned (or a trust in your brother's name that named both he and you as trustees via a quit claim deed) and the lender went forward, even without agreeing not to call the note due, my guess is that the lender would not try and stop that from happening.

I filed a claim with my insurance company for wind damage to the siding on one of my properties. 

Our recession was sharp, but growth resumed quickly.So in short, What i can buy in Niagara Falls NY for $100,000 Canadian would cost me $300,000-$500,000 Canadian in Niagara Falls Ontario and the rents are the same.so right now, I want the short term cash flow the US will provide me compared to the long term appreciation of Canadian real estate and that's why i'm looking to invest in the StatesI don't follow what you are claiming with one of your points, "Most secure place in the world, really.

This could be higher than the current property taxes that your parents pay.Option #2 - You get added to title via QCD - quit claim deed, you wait 6 months (min required time by fannie mae for conventional cash out) , and you cash out up to 75-80% LTV max as a primary residence or as high as you feel comfortable to obtain the capital you're looking to utilize to invest with or you do a line of credit like a HELOC (home equity line of credit).The Pro's of this is that the home will not get reassessed for CA property taxes since your parents have not sold the property.You may have to account for this gift via quit claim deed - QCD but as long as your parents plan to be within the 5.49M of assets in 2017 (subject to change in the future) or annual 14k per year they should be fine (seek a tax pro).The other downside is you may not get "stepped up basis," for capital gains purposes for the whole property if they add you to title during their lifetimes (you own the property 50/50 with your parents). 

If you do not, and then come to find out there is a lease or the tenant claims they had certain guarantees from the original owner (think security deposits, etc.), your only recourse will be against the seller. 

Wait a while, claim your investment income on your tax return, and start saving up.

You can unwittingly open yourself up to an elder abuse claim.

Most hobby landlords will live with tenant problems rather than face a eviction claiming the tenant problem does not justify the turnover cost.

@Zack Ladwig, the best way to convert ownership of properties to an LLC is through either a Quit Claim Deed or a Warranty Deed.

DTI lower than high 30% range3.  2X liquidityFor item 2 our banker claimed that they'd only count 25% - 50% of rental income for the "I" (denominator) in the DTI calculation.