in 2015 i am biying a place that will need windows. link to some energy info:http://www.energytaxincentives.org/consumers/insul...http://www.biggerpockets.com/renewsblog/2014/12/23..what cost effective energy improvements to make?  

You must be licensed in 45 of the 50 states to manage properties you do not own (including for family).I imagine the laws stem from consumer protection needs.

___@Steve Babiak, it is pretty unlikely that the CFPB would target landlords, but if a sharp consumer were to file a complaint, they may pursue.

I have been to the area and see the wave of property value increases coming from Fort Lee/Englewood/Teaneck to soon consuming East Hackensack.

BTW, loan classifications is not just your intended use, as being commercial, it can be viewed as a private transaction, not a consumer loan under Dodd-Frank, but very similar, your intent is commerce but what is it in reality if you fail?

While this topic consumes a considerable amount of media, it should be the least of your concerns.You are better to spend your time focusing on things that you do have some influence over.

You can't very well sell food or most other consumables in a urinal.

They never asked for anything more than that and funded me in about 12 days.Regarding the illegal part, my guess is that since it is a credit union, unless they have special designations, they are only allowed to offer consumer purpose loans.  

Taken from http://www.irs.gov/uac/Form-1099-MISC,-Miscellaneo...Form 1099-MISC, Miscellaneous IncomeFile this form for each person to whom you have paid during the year: at least $10 in royalties or broker payments in lieu of dividends or tax-exempt interest;at least $600 in rents, services (including parts and materials), prizes and awards, other income payments, medical and health care payments, crop insurance proceeds, cash payments for fish (or other aquatic life) you purchase from anyone engaged in the trade or business of catching fish, or, generally, the cash paid from a notional principal contract to an individual, partnership, or estate;any fishing boat proceeds, gross proceeds of $600, or more paid to an attorney during the year, orwithheld any federal income tax under the backup withholding rules regardless of the amount of the payment.Also, use this form to report that you made direct sales of at least $5,000 of consumer products to a buyer for resale anywhere other than a permanent retail establishment.

Landlords typically will set up a payment plans for back rent, but have you heard of someone setting up a payment plan to help tenant buy a car or some other non-consumable?