(you can look up the actual verbiage) HOWEVER, I don't do WAR ZONE RENTAL... that is a whole other ball game, I have clients that do that, and it's totally stressful!

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I have been working on re-training my thinking so that instead of seeing my reserve fund as a "lost opportunity" I see it as 1) a cost of doing business, 2) an important element when presenting myself to lenders, and 3) a stress reduction investment.

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That's another thing I want to learn more about too as it seems like a lower stress way to generate passive income vs landlording.Regards,Daniel

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Perhaps they closed it down to relieve our stress.

I can't stress enough that those who may be exempt make every reasonable attempt to comply with the intent of DF as the restrictions are and will be seen, just as any other regulation, as a base line for fair dealing.Then you have commercial loans, these won't be held strictly to DF but they will be to the Uniform Commercial Code (UCC) and acceptable commercial underwriting.The days of two old farmers meeting over a fence post and selling land on terms, writing out an I.O.U. are long gone.The acceptable play ground for investors as to an amortization on a SF deal is 1 to 30 years.

Where's the delete button