Live on one income (we are living off of less than 60% of our house hold income now). 

I am pretty sure both allow different levels of comprehension and advantages over the other one.

If so, the use of the money is for a business purpose (i.e. not for personal, family, or household use) and Dodd-Frank would not apply.

If I made 3 times what I make at my day job in REI for at least 1 full year, then I might possibly consider quitting again, but at this point in my life, if all I am doing is matching the wage I am paid at my day job, why in the word would I cut off half of my household income by quitting my day job?

@Jason Merchey For more details, check out title 37, chapter 22 of the SC State law: http://www.scstatehouse.gov/code/t37c022.php (emphasis added):(30) "Mortgage loan" means a loan made to a natural person primarily for personal, family, or household use, primarily secured by a mortgage, deed of trust, or other security interest on residential real property or security interest arising under an installment sales contract or equivalent security interest against the borrower's dwelling and: (i) located in South Carolina, (ii) negotiated, offered, or otherwise transacted within this State, in whole or in part, or (iii) made or extended within this State.By definition, you didn't "make a mortgage loan" in the context of the legislation.

In the future, add a no commercial use clause on your lease, something like:COMMERCIAL ACTIVITY:TENANT(s) agrees and understands that LANDLORD does not permit commercial/business activities on the premises being rented AND LANDLORD may, upon service of a 5-day notice to TENANT, terminate the tenancy of TENANT, without giving TENANT an opportunity to remedy the default, if TENANT, a member of TENANT household, or a guest or other invitee of TENANT or of a member of TENANT household engages in any commercial activity that increases traffic to the property and/or threatens the health or safety of, or right to peaceful enjoyment of the premises by, other TENANT(s).So, doesn't matter what causes the traffic, the traffic itself is a lease violation.

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