My experience is much more conservative than this.So back to your original question: FHA is a government program with strict guidelines.

I am interested in someone who can help to find properties as well as explain local landlord/tenant laws and regulations.

It's free and follows all email rules and regulations.

There are securities laws governing the activity that vary by state.  

What are the main regulations within the EU regulating cross-border investments in real estate?

According to that chapter, an “outright gift of the cash investment is acceptable if the donor is” one of the following: The borrower’s relative / family memberThe borrower’s employer or labor unionA close friend who has a “clearly defined and documented interest” in the borrowerAn approved charity organizationA public entity or government agency that offers assistance to (A) first-time home buyers or (B) families with low to moderate incomeThis just handles the down payment funds.

There are a lot of lending regulations that have been established to protect typical homeowners.

I'm looking for laws and/or regulations that are applied in Philly. 

Tons of info on their site at: http://www.ssb.state.tx.us/Important_Notice/Texas_Intrastate_Crowdfunding.phpWe are regulated by the state and you can see our certificate of registration through the state.I've been meaning to write up a blog post with some of the history of how the new laws came to pass, but haven't gotten through it all yet.

Accountants, Insurance agents, financial planners, stock brokers, tax people, Trust administrators, loan officers at banks (banks won't buy a seller financed note) bankruptcy attorneys, any government office that administers public benefit programs: Division of family services, welfare office, medicare, don't think that a note holder is always wealthy, they inherit a note and can't live off a $300 payment, the note is an asset and disqualifies  people from receiving benefits.When I said "they called me" it wasn't just note holders, many times it was the people trying to work with the note holder, they had a problem to solve to assist their client.I was the only Note Appraiser in the state, I believe, the state sent me notes to appraise!