If banks treat duplexes as single family homes, I wouldn't be surprised if the government does the same.

True, there's no avoiding the headaches of local government, but if I can avoid putting up with another layer of bureaucracy, I'm going to.

After so many threads on this site, regulators posting, attorneys speaking and preaching the law concerning wholesaling, anyone at this point must have a screw lose to continue down this road.

That is what governs your relationship. 

Most banks have federal regulators or are in a correspondent banking relationship with nationally chartered banks.

You may also try a less regulated portfolio or commercial loan from a local smaller bank or credit union.

If you attempt lease option be mindful of Dodd Frank regulations.

Consumer complaints are the number one way regulators catch people, followed by bitter ex employees or spouses, and by competitor complaints.None of this is relevant to the greater issue of if RTO or LTO are disguised credit transactions.

By perpetuating the social stigma of being a "felon"; denying access to employment, denying access to housing..you do nothing but encourage recidivism..and continue the vicious cycle..which is exactly what your government and for-profit prison industrial complex wants. - A productive member of society who was once a court date away from being a convicted felon. 

Is it correct that if you just get the lender to record a mortgage then there is less regulation vs. a more complex security?