However, the first broker said that after 2008, they came out with the Dodd Frank Act which changed regulations to the way banks give mortgages. 

Either way, you'll have your answer and can move forward.Fences are a pain because both parties benefit from them but there's no law regulating who installs or maintains.

Despite a global pandemic, labor shortages, social distancing regulations, and a myriad of other obstacles, builders apparently didn’t get the message and started construction at the fastest pace since 2006 (up 7.9% versus 2019).

Trade or Business: In defining “unrelated trade or business,” the regulations start with the concept of “trade or business” as used by Internal Revenue Code Section 162, which allows deductions for expenses paid or incurred “in carrying on any trade or business.”Regularly Carried On: The UBIT rules generally only applies to income of an unrelated trade or business that is “regularly carried on” by an organization.

Just be careful you check local municipality rules and regulations as some are quite strict against STR

The contract states no smoking indoors but does not specifically call out vaping.  

STRs are permitted in JAX Beach as long as they are registered with the city and are not located within a homeowners or condo association that regulates rental terms (most condos do). 

In the property management world we're required to accept the regulations as they are and keep our owners and properties in compliance.

"Wetlands" are regulated on two levels: federal and state (typically, sometimes also on city/county levels in some areas).

You could probably get 30-minutes on a call for under $100 with lots of firms.Real estate law (and most other areas) are regulated by state law, unless it is an area governed by federal law only.