They have a committee board..

Taylor Jennings ok well I do not want to step on your toes but I have been a chairperson for an events committee in Indianapolis.

Defend your numbers and rationale in front of the committee.  

All lenders "want the deal" but then when it gets into the fine details many times they create goblins that do not exist  / appetite for new construction class A disappears / Loan committee does not like the color of the exterior / the location of the project  / the income projections .

There is typically a planning committee involved.If your house looks like a single family property and is in the middle of a residential block - they may be hard pressed to grant your exception. 

Especially since, in a declining market, you have more strictness in loan committees and underwriting.Now if everything is all roses and bubblegum and appreciation goes like clockwork, you'll always be okay.

If the architectural control committee will allow, change the bump outs around the garage door and trim around the windows to a shade that is 50% lighter than the primary paint color on the exterior.

Out of convenience, I do all my banking at a national one...I'm 'bankable' but don't want to have to go through too many hoops with a loan committee or large underwriting department in order to get financing for a purchase. 

So you can get an inspection on your timeline, get an appraisal on your timeline (i.e. pay more to get it quicker), etc. and there’s no “loan committee” (typical at a regional bank) to hold you up.

I've pursued a SUP for this building with an architect, city committees, multiple consultants.