Every state has it's own particular regulations and procedures, but it's good to hear that at least in ONE part of the country this is allowed.

There are less rules and regulations when it comes to private commercial lending (debt) so you can be more creative (always speak to a qualified attorney).

This piece outlines how non-bank lending has grown in China in recent years, hinting that a credit bubble has been mounting for quite some time.Ten years ago, all lending in China was via a network of state-owned banks that were under strict regulations.

Every municipality is different.Also, aside from the local regulations, you can go on to your states real estate department website, and look up subdivisions.

This changes annually and is pretty intense on its regulations.

So your goal is to build relationships, explain how you program works, learn about them and their needs and their experience, then contact later when you have have something to offer... if they are interested.Note that regulators will call on ads that appear to offer investments (public offerings) and they will see how you handle their inquiry to see if you violate any rules.Usually you can find plenty of folks looking to get higher returns on their idle cash or retirement funds right from your "warm" list of everyone you already know.

There can be extremely expensive costs involved for buyers in meeting environmental regulations, etc.

Much of it is universally applicable, however there are a few areas, primarily financing, taxes, and regulation, where things differ between Canada and the US.If you find yourself with Canada specific questions, there are a few other Canucks wandering these halls who would be happy to help where they can.

This is because bad collection attempts or violations of regulations can reflect back onto the bank which sold you the loan.

There are also a few other Canadians and Quebecois here who you can call upon for any questions specific to financing, taxes, regulations.