I thought there was a law that required for me to get a copy of it and also of my credit report that they were using as the basis for the loan.

They work in a very grey area of law and don't know anything about the law. 

I think you should work in the franchise like your father wants.Learn the business, what if you worked as many hours as you can, work 80 hours a week or even work 100 hours a week (child labor laws might limit this ????)

You've probably heard of big Landlords losing property, but only because they were flagrantly violating Fair Housing, running a slum, or otherwise violating the law in an egregious manner.

@Steven MendiolaSo Colorado just passed a law this year taking the local limits cities were placing on people related to the number of unrelated people living together so no need to worry about that issue.

So this is a very common business practice across multiple professions associated with the construction. 

I don't want to break the law, I just want to make a better business decision.

Written by attorney investors, it's full of practical advice pertaining to management of investment property, has sample forms that can be edited, and - most importantly - they tell you what your primary state laws are and where you can read them.

Interesting article about “Squatters’ Rights” in California; how they originated and their intended purpose vs. how they are currently being taken advantage of.California's Squatter's Enable Tenancy Rights After Just ...

Here are some practical steps you can take:First, make sure you have a clear and comprehensive written agreement.