Our attorney indicates we don't need any licensing, since our lending is direct....individuals lending directly to individuals we're not doing it as a company,  as a company, we simply find the deals, and we put the two flowers together.

Some small bushes or flower beds in front.

From mowing the lawn and maintaining the bushes to planting flowers and fixing the detached garage, all on his own dime.  

Where Have all the Flowers Gone?

After receiving Mary’s IRA investment from Equity Trust, Bob purchased the house for $100,000, put new carpet in the living room and planted flowers in the front yard.

If I would like to compare them to Victorians, or non-conforming, or large multi family or downtown properties I would have to go into a lot more detail to make even the most superficial of comparisons.Speaking of the 1% rule, for my particular "asset class" that rule is effectively out of the window in my particular "market":( see link below.https://www.biggerpockets.com/forums/627/topics/313245-where-have-all-the-flowers-gone-analyzing-some-stockton-deals?

Because of her job status (she also runs a business delivering flowers) she is unable to acquire a mortgage at this time as the banks do not consider her income, which is why she is seeking a lease option. 

The point was that with the HOA, I have a risk of losing my house and currently my HOA doesn't seem to add any value by enforcing the nuisance rules, though I've heard horror stories about old ladies losing their paid off homes because of the wrong type of flowers being planted, etc.The HOA doesn't seem to add much value because they don't currently enforce rules but at any year that could change if enough people complain and it could swing the other way.

@Laurie JohnsonEver have a tenant or a buyer, or a tenant-buyer, where things were smooth as silk at the beginning, but didn't end up that way? 

I recently starting working with another wholesaler and it doesn't seem like it's going to last, however, before a just say the hell with it, wanted to get some feedback from the community.An associate of mine that I've know a while stated that she had a property in an area that I know one of my new buyers had interest in, and come to find out I was right and things went smooth as silk.