Can I pull my own permits? (In Los Angeles) And, will a HML let me?

[Dave Kay]

I'm a little confused on permits. Hoping some of you who know Southern California might be able to shed some light on this.

I might have a deal in the works a little sooner than I expected to. The scope of work on this potential deal will be cosmetic and systems - such as interior & exterior paint, new plumbing, electrical, kitchen cabinets, some windows, refinishing wood floors and maaaaaybe a new roof. No additions or demo.

I will be most likely using a good chunk of my own cash and then some from an HML. The contractor I'd prefer to use (who completely remodeled my house and is very competent) is unfortunately NOT licensed. An experienced investor friend told me that as the owner of the property I will have every legal right to act as the GC.... since I own the property and I don't need a license. And that I can go into the city and pull and pay for any needed permits as the "owner builder". Then hire my own subs. Is this true?

I realize not having an licensed contractor is risky and plan on getting excellent insurance.

Secondly, my problem then centers around the HML. As there is a line on their application asking for the contractors license #.

So... Is my solution a matter of finding a different HML who won't ask for the contractors license and pull my own permits - or - knuckling down and trying to find a licensed contractor who I haven't worked with, which to me is a little scary.

Thanks!