To elaborate, there are statutes and administrative regulations (found in Fannie/Freddie guidelines) that provide a laundry list of exemptions from them calling the loan due to a transfer in title (EG divorce, death, inheritance, asset protection/estate planning).It sounds like they misunderstood your question as you asking that you wanted to transfer the loan, which you've obviously clarified on here. 

Patience and precision in your pricing strategy will pay off.Active inventory has increased by a substantial 37.75%, providing more choices for buyers.

If you're considering venturing into the realm of flipping properties, Fayetteville, North Carolina presents a promising landscape.Fayetteville, NC, stands out not only for its robust housing market but also for its exceptional quality of life and economic resilience, drawing a continuous influx of skilled professionals and military personnel.

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Definitely want to speak to a tax professional and an attorney on this one as I believe you are correct in that you would be buying the current depreciation schedule so your basis will be much lower from the outset.

At the end of the day, the proforma has a challenge in providing quantitative analysis in terms of possible costs.  

I won't able to provide accurate advice without seeing it first.  

Deal machine provide you with the name address phone number and any other addresses and e-mail address also the amount of the mortgage and how much Equity they have in the property.

You could have a property purchased and renovated by then or even a small condo/townhome to get a head start providing the HOA was reasonable.

At this point you just want quality conversations to happen, just like with direct mail, it's a follow-up game.I don't think your expectations are unrealistic when it comes to having your VA sound less robotic, they conversion numbers aren't that bad, they need feedback to get better and sounds like you're providing that.