(Truth in Lending Act)  I would think you are, the correct answer to the first point leads to the creditor definition.A "creditor" under TILA is an entity or person who extends consumer credit with a finance charge more than once in a 12 month period, which you likely do. 

The AAPL website is a good place to find legitimate HML’s and knowledgeable lending lawyers.

I control a 42 unit mobile home park through my LLC.  Demand is crazy high for homes. I have sold two before finishing the rehabs or listing them for sale, one about a week after completing. Here is my problem.  I nee...

A Hard Money Lender won't lend on a home you live in.

Even the standard definition of usury excludes hard money lending...

How were the costs of the repairs determinedDo you have the funds to start the project and make it to through the first draw (if the loan is setup that way)Things that make the lender feel better What is your net worthWill you be the general contractor or will you hire oneIf your credit score is low, do you have bankruptciesWhat is the expected time frame to finish the renovationsRemember in hard money lending we feel that each deal should be a win-win-win, so we want to do the deal to help you get started on your project and help our lenders make money.

Of course this led to multiple issues I can't disclose, but I am just saying not everyone with enough to lend would choose to use a branded email.

Basically any active income side hustle I do like consulting, wholesaling, self-incumbering a free and clear, lending, etc all go through my scorp which owns nothing.  

@Aaron Harren, consider private lending.

Even if you had a super rich family member or a (private Money Lender), they should charge you something for lending the money to finance your "deal" even if it's 1% I wish the damn gurus would change course and tell you that you "Can" start in this business with very little money (wholesaling) but to outright LIE and say you need no money?