The intent of making it unlawful to pay us more on a particular loan that was more profitable (because we jacked up their rate way above market, for example) was to make variances that large go away.

Mistake or intentional real estate is a great world to get into.

This particular tenant also had a mental illness and was on subsidized housing because of it.  

my intent is to rehab rent and refi

When I get a rental all gutted ill send you some pics and maybe you could give me some advice through skype cause i am interior design challenged for sure.

Therefore, it was the Legislature's intent not to extend the coverage of the Guaranty Fund to those who are engaged in the real estate investment business on a large scale.

This doesn't mean treat someone poorly, but state your intent up front and align yourself in relationships that support that goal. 

I recently became licensed as a Real Estate Agent with the intentions of doing the job part-time.

If its your intention to pull equity out of your properties by creating your own debt that probably wont fly as I stated 

Am I missing something or is the process intentionally made to be more tedious in that market?