The Consumer Financial Protection Bureau ("CFPB"), through its sponsors in the Treasury Department, and the Conference of State Bank Supervisors ("CSBS") signed a memorandum of understanding ("MOU") relating to information sharing and coordinated regulatory efforts.

It is VERY typical that you experienced a setback when you took a risk - recognize that you are learning, chalk it up to experience and use it as fuel to get better and do more.

R6 and R7-1 zoning differ mainly in R6 Height Factor Regulations, R6 districts recommend small apartment buildings on small zoning lots and, on larger lots, tall, narrow buildings that are set back from the street.

I'm sure people do it all day and/or know people that do, even on this forum but that doesn't make it legal and doesn't mean that its actually done.If the lender becomes aware and does not take appropriate steps with the homeowner to right the wrong, the lender can be scrutinized by their internal and external auditors and/or regulatory agency.

Unless there is some sort of other consideration such as additional collateral, etc. these small, aggressive banks are not around long or come under regulatory scrutiny with a cease and desist order. 

I have little real experience with the real world of regulatory items and navigating getting work done, but one thing that did strike me as very peculiar was what appeared to be the lack of consistency in how public records (for instance sale data) was provided. 

Learn the state laws.FL Chapter 475.42FL Chapter 475.43If you need a lawyer try this guy:https://www.richardhornsby.com/crimes/regulatory/unlicensed-practice-of-real-estate.html

There is something very comforting to me to know that if we faced an unexpected financial setback, we'd still have the house and be able to hold on to it.For our Funds: 100% equity.

Moreover, the regulatory landscape is changing constantly and rapidly.

I don't know what contract to use and I really don't want to break any laws...especially in this high regulatory state.