So to measure the risk, if you're in R-7 & R-8 it is entirely up to the local councilmember who covers the area as to whether or not they would be willing to introduce the legislation.  

but working with someone who is local to your market, who can show you their legal documents that they have used, introduce you to a proper title/attorney office for drafting documents...I mean, nothing is foolproof...but that route will have a significantly higher success rate. 

I would be happy to introduce you to people who are actively doing this. 

I funded a bunch for him in Orlando and Charleston SC he is the who introduced me to that market. 

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

I would be glad to introduce you to her if you are interested.Saying that, I obviously think multi is the way to go. 

Hi,I wanted to introduce myself, I'm brand new to this platform.

Happy to personally introduce you to the team if you would like. 

The concern here and it should be a concern to you, is that introducing so many new people, who from their questions and expectations ( no money down, I can buy properties that don't have equity or cashflow, I can get rich quick). 

@Marie Pruden I’m in California and well theres 2 bills that have been introduced that will extend tenant protections until the end of 2021.