(Most mortgages these days aren't assumable anyway, so unless you know for a fact this one is, it probably isn't.)Re: the "due on sale" clause, various real estate gurus have, over the years, proposed a variety of schemes to try to conceal the fact that the property has changed ownership from the lender, such as putting the property in a trust (which technically does violate the due on sale/transfer clause though it makes it harder for the lender to know).Honestly, I'm not a big fan of those concealment strategies, and I don't think they're likely to work too well in today's digitized world.One way a lender could easily tell if a property had transferred would be that usually the insurance policy changes, and mortgagees (lenders) get notified whenever an insurance policy changes.

I've searched online a bit and found a variety of free templates, but is this something I need to start from scratch?

That way I can meet a variety of people and build my team and lists.  

@Ashleigh Flowers Congrats on the find.

I've heard a variety of stories about mortgage companies finding out, and calling in the loan.  

Hey everyone, I've seen quite a few discussions on where we are in Cali in the real estate cycle (Bay area and SoCal) and there is a wide variety of opinions.Assuming we are late in the cycle, how have you guys adapted your strategies?

My "neck of the woods" is in Middle Tennessee(Greater Nashville Area) and I have picked up some new investors that do a variety of different types of developments including hospitality, mixed use, multifamily and retail.  

There are tremendous variety of properties and opportunities from flipping to vacation rentals on the beaches of the Gulf and Mobile Bay.

By no means is this an official BP-staff endorsement.I’ve worked with many realtors in my time, and I can tell you that there are a wide variety of strategies that can be used.

We have purchased two by and hold deals but are looking to branch out into a wider variety of real estate investing.