You can make the same claim about any governing organization.

Or, is it the person who is going to buy a property at this months tax sale on their government "fixed income" check?

Today, you have more to worry about than just the DF Act, there are dozens of laws applied to financed transactions, and personal views as to them being fair or constitutional or politically correct as to one's thinking are totally irrelevant, laws and regulations apply and if you don't follow them in finance, you can have consequences.There are many more federal laws pertaining to finance than real estate, state laws generally govern real estate.

I also work for the Federal Government full time.

It won't run and the body is covered in rust.

You might need to clarify the status of your license (if differences exist in CA) to get the same answer from two different government bodies.

You see I just lost my job of 35 years and so this is my opportunity to start again and so I am jumping into real estate with my whole body and mind.       

I know have it as a Section 8 house and the government pays most of the rent every month like clockwork.

What I like to do is just use a standard one for my state and put additional information in an addendum contained within the body of the lease. 

Thanks ahead of time.As far as, if you should rent out your home, I dont think any body will be able to give you a real answer without seeing all the numbers.