Your offers, how they are presented, how you communicate them, what terms are in there, the disclosures or requests you put all make an impact on how you and your offer are perceived by an agent and thus to the seller. 

Some lenders are going to have overlays or not understand how to actually calculate rental income properly (full disclosure - I've closed loans that were turned down because of a banker or loan broker not understanding how to calculate income).  

(Full disclosure, I prefer to work with Buyers so I don't do a lot of listings.)But I've never had a house not sell.

If so, would more disclosures be needed?  

But in researching the legislation, all I see is a new rule about disclosure. 

As others said, the disclosure is key, but if it's been on the market for 30 days or more it means that all of the experienced investors in your area have seen it and passed so you should too.

But I'm an investor agent & a buyer's agent that doesn't buy the idea that Hud has recently implemented a nationwide no-disclosure policy where listing agents are now kept completely in the dark through the most vital piece of the sales process that HUD once relied on for years. 

(Full disclosure I have never dealt with CL loans before, so I don't know how that would work for him to be the only signer on the CL while you own the land.

Since the White Coat Investor analysis I posted earlier seem to be debated by others yet to post counter-point sources I'll share another source that I found while researching WLI a few years back, Consumer Reports. https://www.consumerreports.or...In this analysis from one of the most independently-funded, unbiased consumer advocacy groups in America the outcome was the following: < 5 years: poor investment (versus term)16 years: you break even on cash surrender value + value of insurance received+20 years: dividends exceed term + treasuries alternative, surrender charges disappear In sum CR concludes: This mixed bag of potential benefits and costs is complicated enough for consumers to navigate, but poor disclosure robs consumers of the information they need to comparison shop.

Is there any regulation or law requiring disclosure?