There's nothing illegal in any of the methods employed here.

Now if you had a workers comp policy, then you would end up covering any worker you hire; a year end audit would uncover that you had employed workers who did not carry their own coverage and so you would be paying additional premiums for the time (and tasks) that they worked for you!  

Owner Financing is good in certain situations which I am going to list below:People who can't get bank loans because their credit sucks, or they might be newly self employed and bank won't loan them.People who have maxed out on govt backed loans. 

Going forward, I will most likely be posting my ads with some of the major employers (in their lunchroom or give flyers to HR).

In other words, you may be able to avoid self-employment taxes on part of the income that flows through the entity.

When I asked to have the capabilities to stand while I work everyday, my employers were very enthusiastic and supportive of the idea.

Note the part about all contract, options, or other devices employed to permit an unlicensed person to sell, etc.

All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserved.

We have tons of cool historic buildings, a rich history, great transportation, pockets of very stable neighborhoods, and diverse employment opportunities.  

I have been considering rolling my employer-sponsored 401K into a checkbook/self directed IRA for the purpose of providing hard money loans because I am DISGUSTED by the low ROR I get now.