HI Roxanne,It is true you need to be in the business for 2 years but no one talks about the details about how that is documented which is either by:- Looking up CA BRE website consumer licensee information which will show how long you've been licensed- CPA letter to sign/date on you being self employed for 2 + years or 5+ years if you're using Freddie Mac's program since Freddie specifically wants 5+ years to use 1 year tax return- or another third party to verify you've been SE (self employed) like business licenses, attorney's, other auditor or licensesWith regards to income like others have mentioned you can use 1 year tax return to base your monthly qualifying income off of.Freddie mac, like mentioned above is a a conventional financing option but the downside with Freddie is they want 5 years in the business as documented with one of the options above.

It would be awesome to get input on those:The lawyer suggested that my partner's capital (used to acquire the property) grows with the consumer price index (CPI).

And how much of your time does it consume now?

YES, absolutely no legal required.Out here, the only person not responsible for their actions are consumers...it is CA after all.

If I recall correctly, that PA statute refers to the Unfair Trade Practices and Consumer Protection Law ("UTPCPL") for liability.

DEpending on wha tstate you are in , this could be a costly and time consuming process.I just closed a deal where escrow is holding $2000 of seller proceeds to be used for tenant eviction in case they do not move out according to the notice given. 

There are characteristics of a cycle, like good economy, jobs, low unemployment, consumer confidence, new building permits, new loan applications, low interest rates, etc.

SEO is essentially a bit time consuming but lower cost.

I also think it's our duty as consumers to review people we do business with- whether the experience was good or bad.

So far, it’s been frustrating and time consuming - several dead ends.