An individual whose only role with respect to the application is physically handling a completed application form or transmitting a completed form to a lender on behalf of a prospective borrower does not take an application.Factual Scenarios – Examples of Not Taking an ApplicationWe seek HUD’s concurrence that the following activities when performed by a manufactured housing retailer or salesperson would not constitute “taking an application.â€Giving a home buyer access to a kiosk in order to complete an application on-line which goes directly to a funding source.Directing a home buyer to complete a paper application for financing.Assisting a home buyer with general questions regarding the completion of a loan application by clarifying what type of information is necessary for the application or otherwise explaining the qualifications or criteria necessary to obtain a loan product.1Suggesting that a home buyer may have incorrectly completed or neglected to complete parts of the application.Describing the steps that a home buyer would need to take to provide information to be used to determine whether the home buyer qualifies for a loan or otherwise explaining the loan application process.2Transcribing information from the home buyer and directing to funding sources.

I'm extremely limited in my ability with definitions and what constitutes a legal document and all of that, nor do I want to wade too deeply into it.

End of story.However, someone falsely telling others they were referred by you would constitute a BP violation (at least in my book) and as such, you should report that user to Josh or a moderator, saving the PM for the evidence.

I’ve read a few posts on BP about not letting a tenant pay as this may constitute an equitable position, however, I could see it working if we structure a contract with our tenant appropriately.

People can say whatever they want - it's protected by the constitution.

Notably, these rules specify that the use of an electronicmedium, such as the Internet or web site technology that targets Arizona residents with theoffering of a property interest or real estate brokerage services pertaining to property locatedin Arizona also constitutes advertising. 

That's what is illegal, because that constitutes brokering real estate, which requires a license to do. 

A flood policy is a possible solution but it has restrictions on what is covered in a basement and what constitutes a flood. 

@Jason Vanterpool - You can try 1st Constitution, 1st Colonial Community Bank, Monroe Savings Bank, First Bank of NJ, Franklin Mint Credit Union, and American Heritage Federal Credit Union.

When you sell the property, if the buyer's inspector is even halfway on the ball, your illegal wiring will be detected and constitute a serious block to completing the sale.