They rented to a smoker who smoked outside and as far as I can tell was compliant...thank goodness.

I do a few owner financed sales a year to owner occupants dodd frank compliantly which means re servicing requirements under DF, if you escrow taxes and insurance DF requires you to use a loan servicer.  

That would likely be a mistake and could result in at best a lot of frustration with a custodian not being willing to accept non-compliant LLC documents or at worse a prohibited transaction if the LLC is not structured properly. 

The reader has to take responsibility for what path they take.If something doesn't strike you as legit or compliant, looking past the fluff, puffing and marketing then investigate it or even easier, move on. :) 

His knowledge and experience will ensure that you are successful and legally compliant......unlike most "guru crap."

How best to comply with the SAFE act when sending direct mail to brokered lists of late mortgage payees?

It is highly unlikely that any one L/O arrangement will be compliant in all 50 states and under federal requirements, have things reviewed by a local RE attorney. :) 

Also need to know if such "non-compliant" properties are common in that general market area. :) 

These units are generally old homes that have been converted, they were compliant, but not metered separately which was the issue.The next time I encountered this issue was with a small MHP, the owner had 3 trailers on one meter, others were separate.

Welcome to BP, Steve, sorry this took so long.Contracts off the internet or other sources need to be reviewed by a local attorney or perhaps a title/settlement agent, maybe a lender, someone who works with contracts to ensure that state and local laws are followed, the basics of contract content are the same everywhere but by themselves may be non-compliant.