She called back and said " never mind, you can't buy the lots because the seller won't sell to a builder, because he wants to control who moves in and lives in the area" I explained that was illegal, and she became irate.

Often with the Indian casinos, many of the workers are from within the tribes, which again are usually from the area.

And - if you drive a nice car - do you have a "property car" to drive when you go to meet contractors, workers or tenants at properties?

If that's the case, you can't do any renovations until you have it professionally deleaded or it would be flagged for Unauthorized Deleading (UD) and you can get fined and the property would never be able to get a Lead Certificate, only a letter of Environmental Protection that states you did illegal work, got caught, then had to pay a professional to clean up the mess.

Our Insurer says it is illegal and that we can be sued if we do so.

I have an application from a potential tenant who had surgery and is on workers compensation for the next 8 weeks. 

Landlords can still terminate a rental agreement if the renter otherwise violates the agreement or does something illegal on the property.Moreover, HB 4401 includes funding for landlords from Oregon Housing and Community Services in order to help pay back up to 80 percent of owed rental income.

I wouldn't call it gray just because that indicates a spectrum between legal and illegal.

sure, illegal garden apartment?

Find a new lender, that counts as a multifamily property to most lenders unless it is an illegally built second unit or something like that.