If it is an owner occupied building with four units or less you are exempt from the Fair Housing Act.

If you have a personal guarantee and the borrower has assets that are not exempt, then there is a market for the note; albeit at a large discount.  

They don't allow for mortgage payments, but you can have a rev mort because no payments are required.Medicaid will exempt a home (trust or not) if the client lives in it, or if the community spouse lives in it... but you also have to be able to afford to keep it.Cart before horse here with info and not enough details, let's PM.

You can go after them for a garnishment, but keep in mind that a certain amount of income is exempt.

First, you must select an exemption at the state or federal level that allows you to do what you want to do, such as Regulation D, rule 506(b) or 506(c), or an intrastate exemption (where everything – you, the property and your investors are all in one state).

I won't have a down payment and I'm exempt from property taxes.

The one real exception being exposure to UDFI taxation on leveraged investments that a Solo 401(k) is exempted from.  

Murphy" exemption means you are exempt from Fair Housing laws, so you have more latitude in roommate selection, less onerous due process requirements, etc.  

To really unlock the value of the property, someone needs to owner-occupy the property to utilize the owner-occupant rent control exemption.

Another reason you could see a jump like this is if the home was under homestead exemption in one year, and then the following year that was removed.