If you took out the loan and your name is on the title, there has been no sale and therefore no due on sale clause can be triggered.

That said, it's been a week since approval and offer... but I still haven't pulled the trigger to sign the note.  

But that's besides the point.)TL;DR: I didn't qualify for a mortgage from US Bank, but I'm determined to still buy a duplex before my current lease expires in April.

Everything is dry, I replace 2 4 foot sections of drywall in the corner just in case of mold / mildew.Days later suddenly the carpet is wet again, and now magically the shower drain is leaking.

@Chuck Melanson it's a dry read, but lots of great info.

We have $20k for a down payment and want to have $10k in reserves before we pull the trigger.

Ok, I am going to try and combine groups so as to condense the material.  Also, this is only my second deal so I am not a master by far.  This is a category D property, but in a good location and recently remodeled.  ...

Houses are more affordable and I'll be able to save up and pull the trigger faster than buying here in California.

One simple advantage, for example, is that ownership can be transferred via the sale/transfer of shares without triggering property transfer tax.  

I look at this way, continue looking for good investments and if you find one go ahead and pull the trigger.