There is a petition available for Real Estate Investors to say that Seller Financing needs to be exempt from Dodd Frank.Read the petition.http://savesellerfinancing.org/cfpb-action-letter/"We are asking the Consumer Financial Protection Bureau to remove installment sales which include a dwelling, known as seller financing, from the definition of Loan Originator in Regulation Z of TILA which was amended by the Dodd-Frank Act."

We also have an online 'holding deposit' form so tenants can go to our bank, make a deposit, then fill out the form, holding the apartment (our replying to the resultant email is required to seal the deal) - we manually screen right now, but have it setup so that we can change the link to go to a screening company so that the prospect is screened A to Z, then we get a report.4.

You could split the risk with them or get out of it all together if they advise it's not a deal because of X,Y,Z.

I didn't use the Zillow API, but what I did do was create a list (sorted A-Z) of all the neighborhoods in the zip codes I'm interested in.

"In this neighborhood, x real estate situation results in y outcome Z% of the time" 2.

Here are some helpful links about these laws that I found on the CFPB website (Consumer Financial Protection Bureau): http://www.consumerfinance.gov/pressreleases/consumer-financial-protection-bureau-issues-rules-to-strenthen-protections-for-high-cost-mortgages http://www.consumerfinance.gov/regulations/ability-to-repay-and-qualified-mortgage-standards-under-the-truth-in-lending-act-regulation-z/#proposals http://www.consumerfinance.gov/blog/assuring-consumers-have-access-to-mortgages-they-can-trust And here is a link that shows all “Final Rules” issued by the CFPB: http://www.consumerfinance.gov/regulations I hope that you all find at least one thing in this email (or the links) that was helpful to you or that you learned…there is definitely more out there than any of us want to read through entirely, so my job as a mortgage broker is to inform and educate as much as I can.

@Paul Z. - This is very old right?

The courts or powers that be in the foreclosure arena are there to take a specific file from point A to Z and that's it.

I find Z estimate for home values low and rent is usually pretty close.

@Dani Z.