To me the BIG question would be...what is your definition of temporary financing? If you have a definite payout agreement, even it it's a 3 month loan, it's not temporary. If someone outside is involved in the payout, then it's probably really temporary and not reportable. I'm not the HMDA expert here, but we have batteled the true definition of "temporary" around here a good bit lately.
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My opinion only. Not legal advice.
Say you'll haunt me - Stone Sour