I ended up paying about $800 for non covered "code compliance" items and other upgrades.

I am also waiting on lead compliance cert so that has an impact.

I was about to put an offer in on a house when my investor called me and told me that he was unable to give out loans on residential real estate because of my states somewhat recent compliance with the dodd-frank act. 

Is there any other way to do my own contracting while still being in compliance?  

If your broker leaves, then your firm will not be in compliance and that may (if you can't get another BIC) impact your business. 

If not, budget $30/month if you want bare-bones, compliance only or $95/month for full service.I don't specialize in seconds but the biggest risk I see is having to make that mortgage payment on the 1st.

With installment sales this is considered a mortgage on a dwelling, and so compliance with those is deemed necessary (see many other threads on the topic). 

From a compliance perspective, I don't think you'll have a problem if you're only providing a professional consulting service and providing information. 

Perhaps @Dion DePaoli sees something I don't.Hopefully you've used a RMLO and done this new note in compliance with the plethora of regulations. 

There is no "one off" clause with regard to Dodd-Frank compliance, and to make a loan on an owner occupied residential dwelling, secured by a lien on that property, the lender must be lawfully licensed to do so.