There's tax and legal protection reasons as to why people use the structure they chose.

Commercial leases have much less protection for the tenant.  

Soak in as much as possible: contract clauses were good, asset protection structure was good... for those who never heard of 1031 Exchange, they did a great job, How to price a wholesale deal or flip properly w/ caveats to make sure you will be OK on the other side, what to watch out for at auctions (bank reps who are there to bid up the prices so the bank recaptures more of the lost asset)3.

Also check on the laws regarding LLC's you area.It can be advantageous in some cases to incorporate in another state with stronger protection for investors.

So I'm no too worried about that.The bust for a Seller not abiding by the abilty to repay rule is:36 monthly paymentsDown payment or option paymentCourt CostsAttorney's feesQualified Mortgages protect lenders, too.Lenders that make Qualified Mortgages get certain legal protections even if the borrower fails to repay the loan.

Protect it.

q=RMLO+arizona&ie=ut...Going through an RMLO will protect you in case the buyer of the owner occupant property sues you on the basis of the Ability to Repay Rule not being adhered to.

I also turned a spare bedroom into my "dressing room"...basically a walk in closet, complete with a reading chair, craft desk, and cushy sheep-skin rug.  

Just have it moved to another uninterested company to protect your interests.  

The commission almost always come from the seller's side of the deal, so it's no money out of your pocket, and a buyer's agent will have a contractual duty to protect your interests.