I wish I had fully understood this earlier in my life.

I thought this was strange considering I've always understood the tenant pays the difference.  

I recently had a discussion with @Joe Villeneuve about this, but not sure if I understood him.

You end up with EVERYTHING totaled on your year end statement, and all invoice copies documented in each of your monthly reports, very simple to hand over to your tax person.Through the years, I have always seen a few clients that insist on paying these big items directly, and  have never understood why they do so.

To you it may mean something different, but I truly believe the way this video should be understood is as follows (at least this is how I took it).To genuinely have decided to start (to take that first step) with the purpose of genuinely intending to finish at that goal.

 After last August 7th, the date when our new president took office in Colombia, one part of his speech was clearly understood by real estate firms, the fact that most of the areas of law for investments have changed positively for a better adjustment.

Just to make sure I understood your last paragraph -  if I am buying a CFD or a note which were originated (by someone else) as owner occupied (residential) - I need to comply only with the state residential mortgage broker licensing requirements - not anything else, right?

@marcus @Marcus Maloney understood.

@Mark Vandzura, understood.

@Jacque Fairbourn  understood that's why I mentioned you guys.. others have posted on this site that you charge 3k up front.