That's when your BS detector ought to be fully deflected in red-orange zone. 

He too has worked the Redding market, and is knowledgeable on apartments.

You will be putting your buyer at a greater risk, as well as yourself doing a Sub-to with that loan, it's much different than an amortized loan and yes, it has a due on sale clause as well.Insurance can be assigned to a lender as a loss payee regardless of who else may be insured, but doing so sends red flags to lenders that there collateral may have been sold if the primary insured is dropped from a policy.

@Rudy Vasquez  Basically they are what they sound like, hand written letters on lined yellow notebook paper in red ink (or printed off in such a way to look hand written).

One other aspect is that you seem to have some secret niche in RE, you could have mentioned wholesaling or fix and flips, or nursing home rehabs, the way you described it is another red flag as if it's some secret gold mine. 

But even in those areas that people consider safe if you look @ a crime map it may show red.  

The value is extensive....The speakers are experts from the community, such as the Fire Marshall, Community Police Officers, Landlord-Tenant Lawyers, Re-Finance Lenders, Health Department, American Red Cross Disaster Preparedness, County Drug Task Force Detective, Restoration Companies, City Code Compliance, Representative from the Mayors Office, Council for the Homeless Director, Public Utility District, Building Maintenance experts, Appliance Repair experts, Tax experts, HUD/Fair Housing experts, Legislative updates from those actively involved, and many more.  

Calculating against P and PI gives me cash flow, but PITI puts me in the red.

A contractor with no credit (ability to buy materials on his own accounts) is a red flag. 

Red boxed in area is approximately our total land area(my father owns both units).