Substance over form.Maybe it's interpreted that you're renting a room in your primary residence to your girlfriend. 

Even with all the title company’s legal experience and knowledge, they still find themselves in the position of having either ‘missed’ something, or having a court interpret something differently than their attorney did.Many investors will purchase a property with very little cash investment, either through buying subject to an existing lien or through owner financing.

This interpretation of the HUD rule gives us the least legal liability and we really  haven't had any issues with it.

Where such permission is granted, a licensee advertising property that is listed with another licensee shall clearly and conspicuously disclose that fact and the name of the listing licensee unless the listing licensee has expressly agreed to waive those clear and conspicuous disclosures.Looking for an interpretation confirmation on advertising another agents listing.

Trust the data (with a little human interpretation)! 

As I interpret this, it’s “Hey, you can buy this.

If you squint and loosely interpret some of them, you can find about a dozen that have kind of, sort of, maybe, quite possibly come true.

You should definitely check with your local area to find out what the law is, and how it is typically interpreted by the court. 

As I interpret the law, if you are not an agent it is legal to pay the fee but illegal for the person who accepts it.

There are several provisions that must be incorporated into a contract in order to make it valid and enforceable - and even then it will still be open to argument and interpretation based on a myriad of other factors.