@Luke H.If the buyer is living in the property now it’s a consumer loan compared to a loan to an investor and will kick in a lot more regulationsYou can’t do a balloon less than 5 years, need to have it serviced by a licensed servicer, will have to go by interest rate usury laws, collect escrow…..I would not loan on this property to an owner occupant

2- if there is a “problem” Will the “solution” discussed solve it in a cost effective, consumer accepted way?

I can do that through charging points, but since I'm getting it at a lower rate than you could as a consumer, I prefer to mark up the rate while still being lower than most others in the market.

Costa Rica relays on Tourism and, you are absolutely right about the dilutions of hospitality in the world by Airbnb, however, the static still shows the preference of hotels by consumers when it comes to resorts due to all-inclusive options, comfort, and personalized care.

I'm SURE you mis-spoke and meant to say, he's a close friend that I am trying to help but it was not my intention to "fix his credit".Debt Relief and Credit Repair Scams"The FTC has brought scores of law enforcement actions against these bogus credit-related services, and the agency has partnered with the states to bring hundreds of additional lawsuits"SOME CASEShttps://www.ftc.gov/news-events/topics/consumer-finance/debt...Financial Education Services (August 5, 2024 )Panda Benefit Services, LLC., FTC v.

exactly I fund wholesalers in SC all the time.. its a boon to my business  :)  these laws are sweeping the nation.. its consumer protection U just have to many deals go wonky and complaints are filed so regulators are finally taking notice to this acitivty..

I would never put in a gas range, oven, dryer or any other consumer product for tenants, because a lot of them are idiots and will kill themselves or someone else.

I have mlo in Oregon and it’s the division of consumer finance and corporate securities. ca probably has a version of thathowever I did all my loans with my ca brokers license  

Maybe all of the investors should file a complaint with the Florida Attorney General - https://www.myfloridalegal.com/consumer-protection/consumer-...

All the various consumer laws exist specifically to stop bad actors from doing stuff like this.