I will be setting up a separate regulation A placement this year that is targeted at individual deals.

As to the slap on the wrist, it is possible that someone who violates some regulation will get just that, a first time violation may get a cease and desist letter.

They know they cannot be cost effective in regulating and taxing small business so they want it gone.

In addition to investing and Home Staging, I am in the midst of studying for my Real Estate license so I can find our own deals and learn more about the core of buying and selling and all the rules and regulation.

Since New York is regulated - title insurance cost the same no matter who writes it.

I use to live on the other side of the island (Saint-Jean-sur-Richelieu) and then in the middle (rue Saint-Denis) many, many years ago.As you have already noted, there is a welcoming and encouraging community here on BP with lots of experience and sage advice.While much of the information you will find here is universal, but in the areas of finance, regulation and taxation things are a little difference here in Canada (particulierement au Québec) - working in credit at RBC, you may already be familiar with the distinctions.Investing in real estate as part of your portfolio is a wise idea and if I can be of any assistance, just drop a note.

If it is a bank or other exempt regulated financial institution that is "collecting" payments, I'd say there is no worry.

There are a couple hurdles you may run into here.I see many appraisals as a bank regulator and have looked at a lot of different options for cash-out financing as an investor.

The same issues apply to refinancing mortgages.The same basic guidelines are used by portfolio lenders, but they can make some exceptions that are still prudent.These are also the base line used to determine other lending issues by the regulators, CFBP, HUD or conforming debt obligations in predatory issues.This is a good example of a seller financed note being required to fit into generally accepted practice, where all mortgage financing requirements must be working in concert with other each other instead of having odd or non-compliant parts.If a concert band is going to play the William Tell, the trumpet section can't be playing the Stars and Stripes.

We have a lot of success in other States, but GA regulators make it hard in that State.