You can search for their NMLS # as well, but in the private money/hard money space there are grey areas in certain states as to whether or not you need to be licensed.

Yes the assumption seems to be the more grey area.

I am willing to find down the road that maybe the short view is bright, but the long view is a bit more grey.  

That is why most places are trying to figure out their regulations without grey areas.

If someone wants to be in that "it depends" grey area and try to introduce Bitcoin into a traditional mortgage application process (but don't bother trying if it's FHA), please have a Plan B and be careful with your contingencies. 

@Owen Dashner thanks for the kind words, the "grey hair" generation such as yourself has been instrumental in my progress! 

There is a lot of grey area on this site, as there is on most sites, and in the interest of wanting to be fair to posters and not be ridiculously heavy handed, most mods will give posters the benefit of the doubt on the front end, maybe with removing a post and a warning or something similar.

Thank you for the pointers, having the tenants sign the septic portion is a grey point!  

Its still definitely a grey area and DSCR Lenders are different - but typically anything rented by the room (classified as "SRO" or "Single Room Occupancy") is an ineligible property type. 

We have a blue/grey and a neutral green we like because they hide some of the wear and tear.