I'm toying with the idea of looking for a property to be converted into a co-work space.

Can he can get a co-signer or joint applicant on the HELOC or cash-out refi? 

SF does not have a co ins. penalty (i.e. many companies penalize if you insure for 60% or less of rebuild cost, or something of that nature.

I don't personally have experience but reviews on the interweb and speaking with a co-worker who used them make it sound like its a durable/cost effective solution to extend the life of those surfaces.

The other party could be a co-investor, it could be a seller who you want to offer seller financing, it could be a banker.3.

If the borrower is vacating a residence that will remain occupied by a co-borrower, the borrower is permitted to obtain another FHA insured mortgage.

A co-borrower co-owns the home, whereas a co-signer simply acts as a guarantor without ownership rights.

Or I could cancel my application for the permit and leave everything as is without enforcement from the town. i.e. keep operating the 4 units but they will not provide a CO which clearly limits the up side down the road when I decide to sell the property.

And why would a CO detector be needed in an all-electric house (yeah, back in the day people built houses with electric heat, cooking and hot water too)?

Maybe I can hire a co on my own and do this--probably somewhat cheaper then the county doing it. ofgift