I’d contend that most of them are actually ‘in marketing’ and real estate is simply the seasoning they put on the crap they feed you.

After careful research, I've shortlisted a few states that seem to be promising contenders for my investment journey.

@John McKee-thanks - if the plan is to payoff the loan or sell the  property BEFORE the IO  period  expires - its a decent  idea .....if you plan to hold the loan  past the IO  adjustement  date  - then  the rate/ payment  adjustment  will be  something you will need to contend with  every  12 months

Life happens, and even with the best underwriting, if your borrower gets hit by a bus three days after closing that will be something you have to contend with.

Germaine Act in 1982 which upheld certain enforcements of the due-on-sale clause for state-chartered banks and thrifts, which contended again, that it pre-empted state law to the contrary.

—s. 3, ch. 22861, 1945; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 27, 42, 43, ch. 79-239; ss. 2, 3, ch. 81-318; ss. 28, 30, ch. 88-20; s. 10, ch. 91-89; s. 4, ch. 91-429; s. 15, ch. 93-261; s. 376, ch. 97-103; s. 41, ch. 2003-164.This section clearly identifies practices that are generally associated with "wholesalers", while I would contend that this section does not pertain to the topic at hand for an unlicensed buyer compensating an unlicensed 'finder' of real property.

I'd caution and factor in the 45 day moratorium before getting too excited and do keep in mind that we have a republican president about to take the helm and there is still a Federal Mandate do contend with.

Ah, so there is anxiety, feeling overwhelmed and difficulty in coping, much like a string breaking in the middle of your recital, then having to transpose to a lower register to compensate for the range lost.........yes, I can understand........Why do you feel as if you must contend with this perceived ignorance on BP, it's not an anxiolytic?

I'd contend that 2% deals exist in more places that the average REI realizes.

I would also contend, there were enough regulations in place before the SAFE Act and Dodd Frank Act, it was just that no one ever bothered to enforce them on many of the smaller (and even many larger) non depository lenders in the past.In conclusion, you and I agree on many things except for the need for more regulation.