All the ones I know will report "wholesalers" to the state for possibly practicing without a license if they find out that you are doing an assignment.

I still connect with them today for some rehab strategies and general landlord practices. 

In Ohio at least our licensee exams are all computerized, so if you have test anxiety, it helps you practice being in that state-of-mind and relieves you of some of that undue stress.

So the use of the URLA is widely practiced in HML.

When pressed, they'll admit that the deal is possible, but they practically wave their wrists at me, trying to get me to move along.

I have a different angle of advice just some practices that will get you in tune with your inner self so you are more conscious of fear when it arises and you are able to proceed with your investing activities.

I always make it a practice to out the word "BY" next to my name as well, as well as "its".

SO, what you are accustom to seeing might be from poor or preditory practice and arising from unaware borrowers.

They could argue you paid 20% down to eliminate mortgage insurance.The attorneys deal with these things everyday and will give practical advice based on court room and case law experience.No legal advice.

Granted I have been doing this for some time, but as I explained then and numerous times in many threads here on BP, practice, practice, and practice some more.I have many threads on how to evaluate rehab budgets and NONE of that advice includes a price per square foot!!!