Regulation Z applies to which of the following credit situations?
1. Purchase of a penthouse condominium
2. Purchase of a 10 acre tract of land that will be subdivided and each lot individually sold
3. Purchase of a single-family dwelling
4. Purchase of an 8-plex apartment building

- 1 and 3 only
- 3 only
- 1, 2, 3, and 4
- Neither 1, 2, 3, or 4