You can do a ‘cash out’ refinance on the rental home as a permanent fixed 20-25-30 year loan to pay off the Heloc on the primary and most likely the equity line on the primary permits a ‘re-draw’ to utilize again. 

However the lenders will want to see the permitting completed before they fund their loan.

I'm assuming the developer has already paid for all of the soft costs (architecture, permitting) before you, the investor comes along. 

Avoid paying large sums upfront.Online Payment: Use secure online payment systems to manage transactions and keep records.Permits: Ensure all necessary permits are obtained and required inspections are passed before proceeding with payments.

With an increasing demand for affordable housing options and steady population growth in the area, small multi-family properties are becoming attractive investment opportunities for investors looking to diversify their portfolios.Spokane offers a unique blend of urban amenities and outdoor recreational opportunities, making it an appealing location for tenants and potential property buyers alike.

Ft)The first thing I look at before viewing a property is the permit history.

The number of bedrooms for STR has to match the number of bedrooms cited in the septic permit, so you are seeing homes with 7 BR now have a 10 person STR occupancy limit and some homes that had bedrooms added without permits now being restricted. 

As for the persons you said you would send an application, you may have to just be honest and let them know that since they have pets, you are not going to send an application because you have decided not to permit pets.

Sounds like a consult with a real estate attorney or perhaps start with a call to city permits/zoning. 

"Most" gets a little weird though - for example, in Michigan, you can strip and re-shingle a roof without a permit, but you have to pull a permit if you replace even a single square foot of the sheathing under your new roof.