Convert Home to Rental - Would lender call in the loan?

[Patrick Farley]

My wife and I are moving out of state.  New home purchased under my name, with current home in my wife's name.  We aren't having much luck trying to sell our current home and the rental numbers are better than expected.  

Plan is to rent for 2 years then sell to avoid capital gains, but do we need to notify the lender or do we run the risk of them calling in the note?  We are set up for auto-pay, so I know some would suggest they don't care as long as they're paid on time.  With the notes in separate names, is there anything else we need to consider with financial liability?