Short title; designation as enumerated consumer law.Subtitle A—Residential Mortgage Loan Origination StandardsSec. 9001. 

Writing quality consumer oriented software would be like extrapolating this neat little copywriting trick into writing a novel.  

You must get the real TRW, Transunion, Equifax reports to see the tenant as they are; cash paying consumers with utility & cellphone bills. 

Northeast Minneapolis is a better market with fewer rentals.  

You can do this up to a four plex with a OO deposit of 3.5% to 5%.If you OO it to get the consumer deposit then as long as you stay a year you can move out and do the same thing with a new building and rent out the old building adding a new property every year.If you did this with good four plexes for 5 years you would have 20 units at the end of 5 years never putting more than 5% down.

Unless you live IN the building as your personal residence, and it's divided into 3 or fewer units.You could however give the tenant notice that you intend to move in.

You as a consumer, realistically, have no way to directly evaluate most of that list above. 

That property sounds like a nightmare and if i was there i would contact the local consumer reporter  and have this situation put on TV and then the mortgage owner would have to act on it.

Quite a list of prerequisites: http://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/GA-Mtg-Lender-License-Description.pdfSome exemptions include:  Federally insured financial institutions and their wholly owned subsidiaries;  W-2 Employees of licensees and registrants (see Code);  Attorneys who provide legal services who are not in the business of negotiating loans;  Any person performing any act relating to mortgage loans under order of any court ;  Nonprofit corporations making mortgage loans to promote home ownership or improvements for the disadvantaged;  Any natural person who makes five or fewer mortgage loans in any one calendar year;  Other… refer to Code Section 7-1-1001.Bob

I work for Chrysler as an electrician and while this job is better all around, for the most part, it consumes much more time than my last job did.