It gets really confusing to a consumer (And to me in the industry!)

It's not expensive or time-consuming, then you can wholesale to your heart's content without concern.

Large rehab jobs for out of state investors can be very tough and time consuming.

In our Hard Money Business, we never lend to owner occupants because if I have to foreclose, it would be a consumer loan instead of a commercial loan which can take much longer to get the property. 

Unfortunately, costs for insurance, workers comp, licensing, etc. gets passed down to the consumer.

Unfortunately, the law applies to everyone.To add context, you’re asking for a consumer purpose loan, @Justin Tyler, as opposed to a business purpose, i.e. investment property, loan.

Because you're a layman consumer and frankly, they are not afraid of you. 

But there are exceptions in ILhttps://statelaws.findlaw.com/illinois-law/illinois-interest-rates-laws.htmlIt is lawful to receive or to contract to receive and collect interest and charges as authorized by this Act and as authorized by the Consumer Installment Loan Act and by the "Consumer Finance Act", approved July 10, 1935, as now or hereafter amended, or by the Payday Loan Reform Act.

Time consuming, but when done right - I think it’s led to good long term leads.

California probate is very expensive and time consuming, and becomes all the more important with a young child.