Well, let's say an agreement is reached to transfer the home via some sort of owner financing.How about a second signed agreement that states:"Just in case, because of regulatory or other reasons, a "more traditional type of sale" is required to transfer said property.

You might find one investor who would want to do multiple properties, but I would not go the route of mixing funds and starting PPM's or regulatory filings.

That type of irrational behavior could only be due to regulatory pressure.In portfolio lending, banks are moving away from 5/1 ARMs and toward 5 yr balloons, to give them greater flexibility to adjust rate/terms, or to be rid of the loan if they so choose.

I could incorprate these changes into the side to be renovated, but retrofitting them into the already completed side would be more difficult.I am looking to hear anyone's experience as to what the cost of a sprinkler sytem/ alarm system might be and if there are other incremental costs or regulations that should be anticipated that I haven't thought of.For the extra $500 per month income and some decrease in insurance costs, I am motivated to do this, but the regulatory hassels are less as a two unit.What do you think?

As long as you have some sort of personal or professional connection to the lender (i.e. you didn't solicit them through advertising), and it's just a straight 1st mortgage, then you don't need any credentials or regulatory filings.

To raise new capital in order to comply with regulatory capital standards, those banks would have to attract capital from the capital markets and probably pay a higher rate than those banks that made good loans and did not incur losses.An analogy would be what you as an experienced real estate investor pay in interest for loans versus a novice RE investor who paid back the loan on the first deal with several late payments.

There are some investors who loan out to owner occupants but the new regulatory rules are making that harder now.

There are regulatory influences but they are not so far out side of the assets disposition options that they force fire sales.

An employee or other representative of a utility or local building regulatory authority qualifies as an eligible certifier if the employee or representative has been accredited or otherwise authorized by RESNET (or an equivalent rating network) to use the approved energy performance measurement methods.

One solution is to come to us for help, another is to join a state manufactured housing association for some limited help, and finally you can also turn to a qualified regulatory attorney for help.