Many transactions are hammered quietly too, do this or else and the accused party does that instead of getting hammered publicly.Ethics is not what an individual might define for themselves, it is a standard of conduct accepted in an industry that allows limited deviations from the norm.

So if you're in a similar scenario as me, the options are rather limited.

I am not totally aware of the limitations conventional mortgages have.

I found a great 5 acre piece of land on the outskirts of my city, yet still in the city limits.

By including the cap and limitation that all originated mortgages must be under $150k the Bill basically says these folks are in no more danger of defaulting on a mortgage than they are of being evicted from a rental.  

I also have interest but limited knowledge in flipping houses and investing in notes.  

Even firsthand experience has its limitations.

Even the extremely limited office hours she has posted she is rarely around.

With a few of these lines of credit your scores will rise significantly in a limited amount of time.

Yep, builders risk often has very, very limited coverage.