BobI believe you are referring to the "Ability to Repay" and Reg Z changes to guidelines outlined in the Dodd-Frank legislation. 

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Originally posted by @Priscilla Z.

Z, C, D, Truth-in-Lending, Equal Credit Act, RESPA, Fair Credit Reporting Act, as applicable as you will not be just a homeowner seller financing but a dealer, brokerage operation. 

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@Jeb Brilliant  It is actually very common to see a property in Indianapolis on Zillow which is shown as an active listing (ie. for sale) at say $30k, with a Z-estimate of $90k, and the "true market value" (i.e. what a reasonable investor might pay given comparable sales and other factors) is likely closer to $20k. 

Justin Z.

The regulations say "3 or more" in a rolling 12 month and you have to comply with *RESPA*, you can do "Up to 5" in a rolling 12 month period before you have to be licensed to originate due to *SAFE*, and if you cross define what a "creditor" is and what a "lender" is between Reg X and Reg Z there's argument that Dodd-Frank itself doesn't apply if you have done 5 or fewer in a rolling 12 month period, have less than 1 million in notes in that period, and have done no more than ONE high COST (not higher priced) loan.

Originally posted by @Rob Z.

I was just wondering if any fellow investors in the Houston area would be willing to show me the process of doing a wholesale deal from start to finish so i will be able to do my own. It would be more than appreciated...