Meaning...I have a disdain for big government and overspending, and I don't believe the government should be in the business of legislating morality.I don't have an agenda, nor do I push my beliefs off on anyone else.  

Predatory: religion, banking, brokerage, corporatized government, BAR franchised 'legalese,' insurance, etc.' under the despotic IH$ and 'Crown' corrupted 'system.')

These costs have already resulted in PMs that serve smaller (less than 25 homes) HOAs to go out of business.The fees, business costs and government involvement would be more tolerable if the law accomplished its’ intended goal of consumer protection.However, the law is vague on the most simple demands and accountability for property managers: 1) there are no direct statements mandating PMs comply with all State laws and an HOA’s governing documents 2) no direct statements that require PMs to advise an HOA when they observe non-compliance with the law or to report to DORA when such advice has been ignored and violations continue3)no direct statements that hold PMs accountable when they carry out requested actions of a Board that are in non-compliance with the law or an HOAs governing documents 4) no mandates for PMs to provide home owners with a detailed explanation or legal justification of fees and assessments (such as the HOA Transfer Fee) they independently impose and retain and 5) no requirement to explain and justify in detail all PM fees in their contracts with the HOA.Repeated requests to DORA (Department of Regulatory Services) and legislators from Colorado’s largest HOA home owner’s group, Colorado HOA Forum, to include these simple specifics have been rejected making reform and enforcement for home owners very difficult.Legislators also refused to include in the Law assistance to smaller HOA PMs by reducing their licensing costs and requirements.Licensing also witnessed an unprecedented and disturbing legislative act.The Law contains language directly promoting a private entity’s (CAI) sales products and educational courses.It also allows the industry that is to be regulated (CAI) to develop and complete State educational, testing, and credentialing requirements none of which have been officially reviewed or approved by the State.Then there is the missing legislative mandate in licensing rules to address meaningful “full disclosure” of all fees and assessments on home owners by PMs.Specifically, the HOA Transfer Fee that cost HOA home owners millions each year will continue without any limits or justification.DORA decided a one-liner on home closing documents with no receipt and/or detail of charges is “full disclosure” of this fee.Legislation/licensing that is crafted by the interest group to be regulated should be disconcerting to home owners and businesses.The CAI has dominated the PM industry and HOA legislation in Colorado for decades.Their influence and leadership has led to the need for licensing and reform.July 1, 2015 was to be a good beginning on reforming the abuses in the PM industry but HOA home owners will sadly see little change.

I work in the public sector generally and don't make enough to counteract the federal debt to income percentage.I have not been able to save any money for a down payment due to trying to pay down my student loan.I have recently inherited a small amount of money enough for a down payment on a property (hopefully). 

Lease options over 6 months in duration are illegal, but that's governed by state law, not the federal legislation you mentioned.  

Other than digging through real educational sites such as on line university programs or RE schools or government sites, I don't know of any alternatives. :)  

I think banks, almost all banks, have federal guidelines they must follow to participate in government sponsored programs e.g. fannie mae, freddy mac, FDIC Insurance, as well as a plethora of other government sponsored banking platforms.I'm not a banker, so maybe they can apply for a Mulligan, but it just seems odd in todays highly regulated environment that a bank would be able to walk away from a collectable mortgage, even if the cost of foreclosing was greater than the cost of walking away.

First to begin with just wanted to give a quick backstory about myself. I am a beginner flipper in Md and have only done houses in the first time home buyer price range for my area ( $130k-$160k). Due to the fact I ha...

@Dave Roberts Just in case, if you plan to have government subsidized housing (e.g.

30% of my funds held for final punch is ridiculous even my government contracts only hold 5-10% depending on the "complexity" of the job, and it is released 30 days after they give me the notice of completion.