They should keep you compliant with all state and federal regulator rules and can ensure the loan is being created and underwritten to the proper guidelines.

It's likely the bank will be working with a realtor and they will use the state regulated sales agreement, which will have a box to indicate if it can or can't be assigned.

Speculation, on the other hand, a cyclical real estate problem we have in the United States more than anywhere, is highly regulated in various ways, not perfect yet, here in my other tribe's countries of Europe.

Loan terms from commercial sources vary depending on the source and I have read in the forums that most are looking for a fixed commercial 30 yr loan but cannot find it at commercial banks or portfolio banks and I must tell ya that it is available but you will not find it through traditional sources: Here is why: Banks are highly regulated by your Uncle Sam and internal regulators, even if they are a commercial or portfolio lender.Commercial loans are notoriously known for balloon mortgages or Adjustable Rate MortgagesThe simple reason for this is because depending on the commercial operator and property type these loans are not classified the same as residential loans which are backed by the government.You see on the commercial side that money is the bank's  money to fund whether they sell the note or not so most banks that offer these loans offer them at these terms because the commercial balance sheet is totally different than the residential balance sheet. 

Even the method by which you acquire the capital to make a purchase of a large unit may likely be subject to securities regulation.

If not having gone through it themselves, surely most witnessed a parent or a friend who was ravaged by the greed, speculation, and lack of regulation in our system. 

When you are lending just your own money there are a lot less regulations and every person will structure it slightly different.

Their model is more geared for the homeless population as a charity compared to what it sounds like your model would be, but I imagine there would be some crossover with what you're talking about at least on the regulation side. https://www.westword.com/news/advocates-announce-d...https://denverite.com/2017/03/10/denvers-first-tin...https://www.westword.com/news/denvers-beloved-comm...I spent most of my 20's living in vehicles being a climbing bum (from as small as a Suburu wagon to as big as an old school bus, and even managed to keep attractive girlfriends around most of the time, so don't listen to these negative Nancys on here, chicks actually really dig this stuff).

Then we follow of ways to pay the rent and we include our company rules and regulations. 

You may try posting on the local forums for whichever town this house is in to get info from people that familiar with the Idaho regulations.