.- Water and sewer capacity fees (locally ~$10k just for approval per new dwelling unit).- Sewer sizing.

Dwell Finance4.

If the person in the dwelling is the former owner they could be considered a tenant at sufference.

You made a suggestion to buy "2 apartments" well, after all the study you have done about how to do real estate deals, it seems to me you don't know the basic classifications of real estate, single family dwelling and multi-family dwellings.

people living under the same single fam roof/dwelling don't routinely collect RENT from the rest of their family as  LANDLORD-TENANT relationship(s), even if it is their MOTHER IN LAW =Dthus, while the house may have a grandfathered (or grandparented to be more PC?)

looking for mostly single family dwellings..

I believe it says I am exempt since it mentions that only "buildings" with 3 or more dwelling units require it, and I only have "buildings" with 2 dwelling units.

Its 25% down payment for the purchase of a non owner occupied dwelling after 4 loans. 

Here is the banks reply,"Hello there, I do have new construction programs rolling out at the end of this month, however, these are only for single family dwellings so they wouldn’t allow you to build the type of triplex or fourplex that you are looking for, I think you would have this problem with any bank.

We recently bought an apartment building that is zoned by the city as a 4 unit dwelling.