From the commentary from reg Z.
1026.3(a)(1)4.
4. Non-owner-occupied rental property. Credit extended to acquire, improve, or maintain rental property (regardless of the number of housing units) that is not owner-occupied is deemed to be for business purposes. This includes, for example, the acquisition of a warehouse that will be leased or a single-family house that will be rented to another person to live in.
From RESPA Exemptions 1024.5(b)
(2) Business purpose loans. An extension of credit primarily for a business, commercial, or agricultural purpose, as defined by 12 CFR 1026.3(a)(1) of Regulation Z. Persons may rely on Regulation Z in determining whether the exemption applies.
So Z says exempt and therefore exempt from RESPA which means NO GFE
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Integrity. With it, nothing else matters. Without it, nothing else matters.