Okay gotcha thanks for that rude and unnecessary comment...

But if I am misreading your comment and you are able to navigate transactions on your own, then these can be ways to get properties.As for the financing side, talk to lenders.  

If Planning does determine the existence of your ground floor unit, it will require you to legalize the unit through the existing Planning code process assuming zoning supports the third unit OR using the new ADU program making your fast track condo conversion a passing dream.With regards, to some of your latter comments and questions:1) Any un-permitted work (including corrections) is not a good idea as a quick compliant from a neighbor can bring an inspector knocking on your door with a NOV especially in the current environment where everyone is SIP.2) Legalizing existing constructed spaces can be hit and miss based on the inspector you get.

Great comments.

Thanks @Theresa Harris, @Jake Andronico and @Bill B. for the tough love comments :-)It all makes good sense.  

I always enjoy your posts which get me thinking and will be commenting in your note discussion tomorrow.

I skimmed thought most of the comments and have a few thoughts.1.

(Please no comments about whether or not my properties should be owned in LLCs, as that is not what this particular post is about.)

It seems that some of the comments on this thread miss the fundamentals of Tangible Property Regulations.

Hey Kathy, I agree with most other commenters on here.