Question on Sub-to Plausibility

[Sam German]

Everything I've read says that most mortgages have a due-on-sale clause or something else that prevents Sub-to from being an option. Are people just ignoring that and hoping the servicer doesn't call the loan due?

Are the odds in your favor if you take this risk? 

I'm very new to this topic. 

[Don Konipol]

Quote from @Sam German:

Everything I've read says that most mortgages have a due-on-sale clause or something else that prevents Sub-to from being an option. Are people just ignoring that and hoping the servicer doesn't call the loan due?

Are the odds in your favor if you take this risk? 

I'm very new to this topic. 

Up until now most mortgage loans were NOT accelerated when property was transferred subject to because
1. In generally declining interest rates the lender has no incentive to replace a performing note with investment in a lower interest rates note
2. It was time consuming and expensive to monitor every deed recording of a large mortgage portfolio.

Now with rising interest rates and on line deed recording information it would appear that lenders may be a lot more aggressive in enforcing the “due on sale” clause inherent in almost every mortgage or deed of trust written in the last 40 years.