Usually an option, land contract, contract for deed or a lease over three years all violate the due on sale clause.Yes, those methods violate the Due on Sale clause but they aren't as obvious to the bank as Subject To is, which is what the OP was concerned about.

I've spent the last couple hours looking through old threads and it seems like this is a heavily debated topic that I wasn't able to determine an answer to. 

So by saving 3% and going against the plan they saved around $20,000 on listing their home but the real loss was actually the potential $30,000 upside because they were in-experienced and agreed to sell their home for less than it was worth.What it really comes down to is opportunity costs.

A team so that I don't have to do BS like put my listings into the MLS myself and take photos myself etc, and KW because of the amazing training my market center offers. eXp sounds cool but for me I really need an office to go to, I need the energy of other people and the lack of distractions I have at home.

Quick question:How do you “gently encourage/remind” a contractor to send a bid when they said they were going to?

I think they should not, similar to I think purchase appraisal should value an RE the exact same as refinance appraisals.Good luck

What they may be referring to is that you could gift your friend the down payment, but I believe that if you were on the loan you would have to live there too otherwise it would be mortgage fraud.

On top of this, the university which it is very close to is looking to expand, and will want this piece of land in the next 10 years...

What is it attached to?

I've been to I don't know how many auctions and I have always wondered about the 'plant' thing.