This is a business and most businesses are governed by rules such as licensing, inspections, etc.

As far as I know there are no federal laws involved other than standard RESPA stuff.

Add in the federal laws such as Dodd-Frank and the jaws of death of the CFPB for violations and it IS a scary world out there.

ANything less isnt worth your time.In my personal experience, Navy Federal is the best to go through for all three of these.They also do loans for houses, as low as 10k from last I asked, which was less than 2 months ago.

Even if you took a commission from someone "on the side" you could be looked at by a government entity (not sure which one) for a crime. 

My questions is is there any way we can buy that house with 0 down with a government loan like fha home in 5?

@Alan WolkovIf you purchase a property at a foreclosure auction and later find that there is a government lien or lien that survives the foreclosure auction, you will be responsible and indebted.

***5 years ago I was renting and receiving government support!

There are many government aided loans that you can use to get the property for low or no money down.

When a borrower has a history of receiving rental income from the subject property since the previous tax year, the borrower must provide most recent Federal Tax Returns, including IRS Schedule E, covering the previous two (2) yearsCalculating Effective Rental Income � Any net rental income from the subject property must be added to the borrower’s qualifying gross monthly income after averaging the reported net rental income/loss reflected on Schedule E of the tax returns.� When calculating the average net rental income/loss, any depreciation, mortgage interest, taxes, insurance, and HOA dues reflected for the subject property may be added back to the net income/loss.� If the borrower has owned the subject property for less than 2 years, rental income/loss must be annualized for the length of time the property has been owned.