So I could make it ADA compliant (ish).

Rec room, home office, man cave, etc are all better (though necessarily compliant).

Im glad that at this point and time the majority of my investments are not affected and that they are granting extra time to anyone who has more than ten registeted properties to be compliant.

Have your prospect sign a form with all pertinent language that explains what the Holding Deposit gives them (sole option to rent, so long as they sign the Lease and are compliant with terms within a certain time-frame).

Permitted, code compliant, etc?

The difference perhaps is that I am a businessman and I realize the costs of being compliant and legal are worth the cost when measured against the potential risks as opposed to pretending the risk does not exist.

This way you'll be more compliant but also not be tempted to bend.  

That is not uncommon, but @Jasmine C. make sure that the person doing the seller carryback is compliant with Dodd Frank regs.

And talk about predatory, points on my sale price, not good.As to originations, there are many RMLOs out there who think they are compliant in doing seller financing, actually not from several fronts, their employer/broker must have such loans in their charter, insured and bonded lenders aren't covered with equity funded notes, and if they do any volume they may have loan concentration issues of high cost mortgages, this goes much deeper than what our newish loan originator testing goes to that they learn and it doesn't even go into underwriting!  

Make sure you stay compliant!