Or secondly, I now understand that if the Seller offers the Buyer a one-off bridging loan that THEN would need to be refinanced in a Dodd-Frank-compliant way by the BUYER on a set date, then they are OK? 

Flag the ad on the listing websitesGoogle the address to see if there are other ads you are not aware about and may also be scamsIf you are aware of a rental listing scam you can report it to the Federal Bureau of Investigation (FBI) Internet Crime Compliant Center (IC3) by clicking here.

Yes, we are regulated to the point of ridiculousness and to the point where it can be cost prohibitive to be compliant but, the protections afforded to the consumer are for the betterment of everyone and, it really weeds out the used car salesmen and boiler room operators that prey on consumers.

They said If I absolutely insisted on using mine, the cost to make it Texas compliant wasn't worth the expense.

He has registered and I was told he is completely compliant in regards to the law. 

@Travis Sperr is with them and might give you that information.Institutional lenders have teams of lawyers to keep them compliant, and who the conveyancing attorney is really doesn't matter. 

Here is what I found out:1) The sale of a home 'resets' the compliance timeline 2) They are very interested in working with a new owner to get a home compliant, and they are not interested in chasing down any other 'unpermitted' work done by the seller3) Common sticking points he identified:-Complying with the off street parking requirement (this home has enough parking)-Providing adequate egress from the bedroom in case of fire (this home meets the 'size' requirement for the bedroom window, only remaining concern is there is a 6-8' drop to ground level)-5/8's inch fire resistant material would be required for the ceilingThis is in line with what I was budgeting for... 

@Troy Young I like Smart Move and have no compliants.

I need to do some research on predatory lending and make sure that even I am compliant with my assistance.

So my damages, to be compliant with the city's demands, was the cost to hook to sewer (~$60K).