Just starting to learn and still waiting for my book to arrive! Licensing in Idaho is required for a retailer or a broker. If I own the mobile home and then sell it on a note is that retailing or brokering? Also, there is a law review article that indicated if I seller-finance more than 3 deals in a 12 month period I have to comply with RESPA and the Consumer Protection Act. Anyone have experience with this or information?