Hard Money Lending License Requirements

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Hello,

Is there a definitive way to determine a states licensing requirements on hard money lending? 

Specifically, if I want to lend private funds on non-owner occupied residential properties, how do I determine if a license is necessary? The reason I ask is because I have received contradicting stances. On one hand I have called and and inquired directly with the particular states governing body and been told that no license is required for these type of loans. On the other hand I have consulted a lawyer in the particular state who says these type of loans are subject to the SAFE act and thus require specific licensing. 

Is this issue subjective or is there a clear cut answer? 

Thanks!