There is no good answer to this question. If a note is secured by a dwelling, then it’s a mortgage according to the law.
Options: Sell for cash. Give the homes away. Find a licensed MLO to originate mortgages. Get licensed yourself. Do rent credit and hope that you have no issues. This is one of the “dirty aspects” to the business. The best legal and simple solution I’ve heard is to rent the home until the “equity” or remainder value is low, then sell for cash and/or hold the paper with an UNSECURED loan.
In practice (I am not advocating this!) you hope you don’t get caught. You’ll only have a problem when you go to evict the “bad” tenant and find out that your agreement with them is unenforceable (or, worse, that you have to pay a penalty for taking advantage of the poor unsuspecting customer).
Every state is different and your state MHA may have more answers for you.