meaning, if you can still make money for your end buyer and preserve or enhance the relationship, then don't limit your fee based on some arbitrary number.  

Most people want to build responsibly, but don't want to put forth the additional $ if the green enhancement won't pay for itself.  

Well I received an official complaint from Consumer protection division of the state Attorney Office, all lies.

This is no time to invest, but stick with BP to improve your prospects as an agent and to learn for future investing opportunities after you get out of consumer debt.Also, Dave Ramsey has great advise for a person in your situation, as mentioned above.

There is so much more to investing that reading a book or attending a seminar...it's work, it's time consuming, it's emotional.

This year you'll need a "main squeeze" for consumer loans, a new significant other, your RMLO who will squeeze a seal on the note!  

It can be a particularly tricky set of legal landmines when one falls under the state definition of developer by virtue of acquisition of a threshold number of units and then a resale of units to consumers occurs.

Then you'll have dealers, those in the business of selling and financing consumer transactions.

There are transactional lenders to bridge the gap.If you have workable circumstances, the seller can seller finance (sub-to if need be, not a consumer loan) to close your side, then pay off the note.

It will be interesting to see how many CF portals follow suit or initiate similar improvements to instill consumer/investor confidence in their offerings.