Here's what I do know....Mortgage fraud is a crime in which the intent is to materially misrepresent or omit information on a mortgage loan application in order to obtain a loan or to obtain a larger loan than could have been obtained had the lender or borrower known the truth.In United States federal courts, mortgage fraud is prosecuted as wire fraud, bank fraud, mail fraud, and money laundering, with penalties of up to thirty years' imprisonment. 

These agencies have more assets available for prosecution than you do for any defense.Seller financing will need to comply, in origination and servicing, to do so you will need to go much deeper in compliance aspects and set in place entity structures that will likely take several operations and oversight into consideration, acted out by different players.

However, what I AM is an actual landlord and as such, I am keenly aware of what does and does not work as "evidence" in court for both evictions and for criminal prosecutions.

I am helping seller draft a letter to state attorney's office as well as to DBPR urging them to prosecute.

I'm hearing that the FAA is prosecuting people for unlicensed commercial flying. 

You will be signing affidavits under penalty of prosecution and perjury that no outside agreements exist and everything is stated on the HUD 1 at closing.

There are news articles which seem to say so. https://www.miaminewtimes.com/news/bill-would-help-break-floridas-solar-panel-stranglehold-10971356  While I am admittedly not a lawyer, I can find no record of any landlord in the US ever having been sued or prosecuted for charging a tenant for the electricity produced by solar panels that the landlord owns on his/her own property, when the  tenant living in that property has used the electricity. 

This is because taxes are so low and the population is so small, the tax base is inadequate for police to have the resources to actually investigate or prosecute crime.

Joe, agreed but you've mentioned that several times, it's still in effect and can be enforced, actually, all past regs can be prosecuted by the CFPB as well, so we will see.

While in theory this is great but. the chances of default are high.. then you as the meat inside the wrap need to make payments to your seller while you prosecute the foreclosures.