Please don't think outside your herd, the government and millions of other sheep are counting on you......

I have a Navy Federal Credit Union and Pentagon Federal Credit Union credit card.  

The credit bureaus are governed by the CFPB.

NO NMLS #  there you have it brokering loans in Nevada without it is illegal.. ( as long as these were 1 to 4 units ) So you have federal laws and state laws.. and since the company took your money .If I was the lender I think I would send you your dough back.. and send a letter to the state saying they were not aware of the licensing and it will never happen again. 

Again see Fair Housing Laws, as there may be local criteria that are more stringent than the Federal Guidelines.   

It’s not clear when the guidance, which is currently under federal review, will be released....

Anyone selling it to someone without permissible use is violating the terms of their agreement with the furnisher at the very least and potentially violating state and federal laws.Even if you have legal access to the data, what you do with that data you obtained legally, is highly regulated.

Is my federal tax rate ordinary income?

From Treas Reg §1.121-1(b)(2):...In addition to the taxpayer's use of the property, relevant factors in determining a taxpayer's principal residence, include, but are not limited to—(i) The taxpayer's place of employment;(ii) The principal place of abode of the taxpayer's family members; [Empasis Added](iii) The address listed on the taxpayer's federal and state tax returns, driver's license, automobile registration, and voter registration card;(iv) The taxpayer's mailing address for bills and correspondence;(v) The location of the taxpayer's banks; and(vi) The location of religious organizations and recreational clubs with which the taxpayer is affiliated.Always good to work with your CPA on strategies such as this. 

The state entity structure can be an LLC with federal tax status as s corp.