A local lender, vice a lender "licensed in all 50 states" would know this.

I notice you didn't say you'd actually seen the tenant's policy.Are they properly licensed?

Totally agree with you and it looks like I need to get a business license to do the intermediate leasing occupancy (ILO) in SF.

The 6 things I use licensed workers for..

When vetting contractors, check if they’re licensed and insured, ask for at least 3 references and call them, and get detailed written estimates and timelines.

It seems like every city, county, and state has its own rules, permits, and tax requirements for short-term rentals, and I’m finding it overwhelming to navigate all the different layers of compliance.For example, some places require business licenses, transient occupancy tax permits, or even special zoning approvals.

Our systems have caught people using SSNs from deceased people or the SSN indicates they are 2-3 decades older than their driver license birth date.

This contractor has 0 reviews on yelp which I found a bit sketchy, but was able to vet him by his contractor's license, worker's comp, and by visiting some of his ongoing projects.

Here is a good video The Ohio Division of Real Estate made about wholesaling in Ohio https://www.com.ohio.gov/real/ I recommend you just get your real estate sales license.

We hold a license and face criminal penalties .