Now your obviously irate so you’ve taken to name calling at the mortgage company, implied that they don’t know what they’re talking about, and that they’re using Federal Regulations as an excuse not to make the loan.There is a term for lying on your mortgage application, it’s called mortgage fraud.

In most of these schemes they are money making for the trainer and that is all.

It's just that joint tenants implies 50-50 ownership.  

In Texas, foundation lifetime warranties typically imply lifetime of the structure and if the seller is advertising it, most likely it will transfer to a new owner.

Quote from @Joshua Viksman: The tenants may be correct...You seem to imply our advice doesn't count because we're not local, yet you're a REALTOR in the same City and State as the OP and the best answer you can provide is, "The tenants may be correct."

Do you consider beach house rentals to be a good company or were you implying that they would've broken the law for you?

These are all threats made by the owner to let the renter know this is possible if damages are caused, so not flat rate fees, but implied.

You will notice how the two representatives from the real estate commission carefully chose their words to imply wholesaling is illegal.

Yes, but keep in mind that you're not "putting down $3000-6000" -- that implies a downpayment that would contribute to your equity.

You imply you want to keep this property 30 years.