While the state government may have created red tape/permits specifically for real estate, there is not a statewide general business permit.

Every time I think real estate has too much regulation I see a post like this one - "subject to my partner's approval".

(Political, government influence(taxes/fees), population/homes available)What about in 30-40years?

I'm told that FHA changed some regulations and it now accounts 1% of my student loan ($400/month).

It does not necessarily regulate the fees that are charged (to a certain extent).

You will find it in your state landlord tenant regulations on line.

Five headwinds that California coastal real estate is facing which never existed in any previous market: (1) Baby Boom retirement is creating more sellers than buyers. (2) The Fed's unprecedented regulation of interest rates through money printing and Treasury note buying is winding down. 

@Long Vang - Depends entirely on the regulations of where the property is located. 

I've been working in the government field doing sales/marketing and promoting trades for the past 13 years.  

If the money is used for consumer purpose there are a boat load of disclosures, licenses and regulations you need to comply with.Also, what is the value of the collateral, if should be substantially more than the loan amount or you could become partially unsecured both as a practical matter and subject to cram down or lien stripping if borrower decides to file BK.Also, if you don't have a deed of trust to go with this note it's unsecured, it then becomes expensive toilet paper.Also, you should get the deed of trust insured with a ALTA lenders policy.Also, this may be a personal thing but I like monthly payments, not everything at the end.