I DO understand your concern with triggering "Due on sale clause" related to your mortgage. In my opinion and the way I understand the clause in NC is a deed transfer without the permission of the lender with a lease option will trigger the clause. This is hot topic in my neck of woods.
Please consider having a brief and confidential conversation with an attorney you trust before moving forward with anything. In the meantime, you may want research your state's laws, plus go over your deed and mortgage documents. Also, do some research related to the Garn-St. Germain Act as well. Walking away should never be an option but more a last resort after exhausting all credible resources. Good luck to you!... more