Put in egress windows in 2 non-conforming rooms.

The simple answer is that the easiest way to get your money out would be to have your land surveyed, and carve out a conforming lot, creating two distinctly different parcels of land.

In my very humble opinion, given your families expertise as tradesmen, taking advantage of historically low conforming rates, with limited down, on a heavy rehab project, may make a lot of sense.

New interior paint, exterior deck paint, new roof over deck, newer appliances throughout, additional bathroom and living space, additional conforming bedroom, remodeled bathroom.What was the outcome?

My advice is that you do have to be comfortable with the fact that you're not going to be conforming to "traditional" social norms. 

It is true that a greater number of loans will open up to you if you have 2 years of work history but there are other loan types out there that might be available to you - but they won't be conforming, conventional lending. 

Generally, if the zoning calls for a single family residential, but you are trying to make it into units, you must get zoning approval or you are creating a non conforming zoning situation and most lenders, commercial or residential, care about zoning.

Remodel of space should be permitted and conform to any local regulations. 

@Jason TimmermanOverall, the BP community is a positive, reinforcing forum and I try to conform.

BP,Crazy to think that starting January 1, 2023, you can use a FHA primary residence loan to purchase a small multifamily with the following max loan amounts in Washington DC:Duplex- $1,394,775 loan amountTriplex- $1,...