I did get a good deal on the loan (4.375% 30yr fixed) and the lender has said that this is what triggered the holding account.

The big problem is that someone will do something crazy and cause injury or worse.  

Most importantly though, once you decide to pull the trigger in this, that is if this is the route you decide to take, don't forget to come back here to BiggerPockets and ask for advice with each step that you take. 

You will trigger a breach and the lender could accelerate the loan and call it due.  

Saying that defaults based on leverage used in fracking will be a trigger that causes a collapse the economy is far fetched.

Originally posted by @Albert Bui:In my case the borrower had no reserves because he has 7 financed properties he needs a min 720 fico, 6 months reserves PITIA on all properties, so he decided to use his IRA statement.It seems to me that the borrower triggered this himself by attempting to use his IRA assets to influence a favorable decision on a loan.

But lets see if i can even pull the trigger at home ??

First, you are going to want to know the trigger price of your home is, aka at what price point will my home be considered FMV and what is the average DOM for homes that are considered FMV. 

hi @Krista Patrick, I haven't pulled the trigger on anything yet...

I was wondering if there is a difference between "assuming a loan" versus taking over a loan in a subject to.If I do a subject to deal where I take over the loan of the current owner and they transfer the deed over to my name, how can I prevent the triggering of the "due-on-sale" clause?