Learn the state laws.FL Chapter 475.42FL Chapter 475.43If you need a lawyer try this guy:https://www.richardhornsby.com/crimes/regulatory/unlicensed-practice-of-real-estate.html

Moreover, the regulatory landscape is changing constantly and rapidly.

I don't know what contract to use and I really don't want to break any laws...especially in this high regulatory state.

Liability & Licensing – Confirm in the written agreement that the independent contractor has liability insurance and is fully licensed by the state and any other relevant regulatory agencies.Dispute Resolution – You may choose to include a clause requiring disputes to be settled via mediation.

Political views have nothing to do with enforcing regulatory policy, it only applies to setting policy if at all.

Suddenly the terms "permanent dwelling" and "permanent residence" began appearing in federal regulatory language and we were stuck.Then Dodd-Frank soon followed and all hell broke loose.

Some states like California have a designated regulatory agency i.e.

Therefore RERA (Real Estate Regulatory Authority) & Dubai Land Department have taken vital steps aimed at reforming the market.

@Ian Tudor Ian I agree with you in isolation from the regulatory environment re lending to owner occupants.  

Commercial lending does have less regulatory restrictions, but dealing at the small end of a commercial spectrum, between individual or small investors, the scrutiny is much greater too.