You do not have to even worry about Dodd Frank if you “Create the Paper then Sell the Paper”. I did a bunch of these back in the early 90s.
Example: Seller is willing to sell their MH cheep for cash. You tell the seller they will get cashed out when I can find a suitable buyer that will buy on contract. Once you have vetted your end buyer/user a Mobile Home Sales Contract and Promissory Note and Security Agreement is executed between buyer and seller. You then buy the debt instrument for cash by assignment from the seller. Now you can use your own money or a private investors whatever suites your model. Of course the end sale price to the buyer on terms is two three or four times the cash price the seller is accepting.