I am a civil engineering major and have had several internships working for contractors, so I have some credibility running construction there.

I have a few friends who were using them and who are now in litigation over it.

You also want to be honest and up front with the people you are working with as well, that will lower your litigation risk.Also you CAN make money here in Florida without any money, (Yes, I'm saying this as an agent) Go around your city and look for vacant properties, (Many newspapers, phone books, flyers at the front door..etc) and see if you can find the owners of the property.

Christian, I understand this is not civil servant welfare but If you are getting a taxpayer subsidized incentive in the form of discount housing then why should I as a taxpayer subsidize you if your goal is to leverage the money you saved to buy more real estate.

If you are in house flipping for example, this is who you should have in your circle:-Real estate agent-Wholesaler-General contractor-Sub contractors (electrician, plumber, framer, painter, roofer, etc)-Handyman-Designer-Architect-Engineers (electrical, structural, mechanical, civil)-Stager-Title company-Real estate attorney-CPA

You are not allowed to base a decision on race (that falls under the Civil rights act of 1866), and you cannot advertise discriminatory preferences since there is no exemption for advertising.

At worst their investment will lose the property securing the loan, at best they will be tied up in expensive litigation for years.

I am a Civil Engineer out here at Ellsworth.

Yes, due on sale is a civil or contract issue and not a point of law.If the lender wants the loan paid back they will ask.

It's probably one of the most-litigated areas of real estate, so best to avoid IMHO.