I can't stress enough that those who may be exempt make every reasonable attempt to comply with the intent of DF as the restrictions are and will be seen, just as any other regulation, as a base line for fair dealing.Then you have commercial loans, these won't be held strictly to DF but they will be to the Uniform Commercial Code (UCC) and acceptable commercial underwriting.The days of two old farmers meeting over a fence post and selling land on terms, writing out an I.O.U. are long gone.The acceptable play ground for investors as to an amortization on a SF deal is 1 to 30 years.

define residential lease-options for longer than 180 days as "executory contracts" subject to strict regulation and penalties if not done exactly right.

The latter is even more burdened with regulation than the former as well as having to deal with people (haha!).

What makes folks think the can deal in a regulated industry where tens and hundreds of thousands worth of a product are transferred and getting into the business can be done for the cost of lunch?

I heard from a few lender that starting Jan the lowest they will really go is about 50k do to regulations..but ill call aroundThank you!

I recently started looking into the area and saw that the city has rent regulations.

If they pass a regulation to allow rental after say 5 years of ownership it may not have a big impact.Do some digging and find out how many units total, and their respective length of ownership, and figure out the magic number to propose to the HOA with a minimum short term impact and make it known your plan B is to default.

Is this still possible with the new Dodd-Frank regulations?

Unless you fully intend to live in the property.Conventional is heavily regulated and can cause road blocks for what you are trying to do.Here are some difference between the 2.

The option to change this would be to install a landlord thermostat to better regulate the heating range.Lastly and my future plan is to add another gas meter (utility company will usually do this for free) and separate the ductwork and add a second furnace.