Also know as an acceleration clause.A little history lesson…In the old days when banks loaned money and took back a 30-year mortgage that's exactly what you got.It didn’t matter if you sold the property to someone else that loan stuck with the property for 30 years and could be taken over and paid by anyone.Well, in the early 70's banks, lenders, state governments and other interested parties were so upset that they were getting stuck with low interest rates, missing out on taxes, assumption and other sale fees, that lenders started adding due on sale acceleration clause to their contracts.As you can imagine, a lot of borrowers thought this was unfair and brought suit against banks and lenders.Unfortunately around 1979 the United States Supreme Court found in favor of the banks, and today the due on sale -acceleration clause (usually paragraph 17) is found in most if not all conventional mortgages.For years now buyers and sellers have been trying various ways to get around the problem.

The Government get their taxes when you sell the house because the basis or value has been depreciated down even though the house has increased in value.When analyzing property most investors do not include depreciation. 

Hey Jeff,Found this, not if sure it helpshttp://seminolecountyfl.gov/gm/devrev/concurrency....In 1985, the Florida Legislature adopted the "Growth Management Act, " to provide a framework for local governments to use as they developed their long-range comprehensive plans.

@Tim Chasteen Things I would look for are overall market trends:+Positive population growth +Strong economics(jobs) +Employment diversity +Government support for local companies through tax incentives + Strong government representative +Crime rates Things like that to get the big picture elements.

My only comment; I think that the commercial zoning is only a designation that your local government has given to that property.  

ON the west coast this would have been extinguished with my trustee's sale.. but no not in WAYNE county the land of ultra coordinated and sophisticated real estate transactions and government...

Private lending isn't going to eliminate GSEs and irrational debt pricing for 30-year money that the government subsidizes.

I called and asked a bank that if I could rent out my single house, and move into a multi-family and trying to get a government 3.5% or 5% down loan like FHA etc....

The first place to look is the Oregon Association of Realtors, or whatever it's called there, and the website of whatever government body or commission regulates realtors in Oregon.

I took the national test on line, a practice test, I missed 6 out of 100 due to some new disclosures required that I was unaware of (I'm aware now), so I have an idea of what's taught.We have 50 different state laws governing the note business and federal laws.