The vinyl flooring she is speaking of is very flexible and will conform to very saggy floors.

Conforming loans differ from portfolio loans.  

The village considers this a non-conforming legal multi-unit without mention of number of units. 

If "that" owner refinances (which I'd like to think he can if he can afford your Note and hopefully can qualify for a conforming loan), both Notes would need to be extinguished. 

These guys will object and the commissioners or city council may side with them.OTOH, if you're in conformance with the current zoning and the building department will issue a permit, then there may be little basis for their lawsuit.

I'm thinking the best place to go would be one that conforms to the 2% rule and still has appreciation potential down the line. 

@Pyrrha Rivers You have to remember, there are 3 credit reporting agencies, Equifax, TransUnion and Experian,,,for a conforming mortgage they will pull a FICO for all 3.For credit cards/personal loans/car loans etc each bank normally has one they use,,,Discover normally uses Equifax, American express tends to use Experian, etc etc, but they can change, or some will give you a card based on one Credit Reporting Agency, but pull a different one if you ask for a credit line increase (weird I know)Many of the banks use special 'formulas' for credit cards, car loans etc,,its not a one size fits all.The only score you can say "I have a "xyz" score (Trans union 788) is if your using FICO,,,for various reasons I at times will pull my credit from several different services the same day,,,I may have a score vary by as much as 100 points WITH THE SAME CREDIT REPORTING AGENCY,,,,Smart Credit may say my TU score is x, my privacy matters may say my TU  is a totally different number,,,this is why its so confusing

At the very least, the pool will have to conform to local and state pool barrier laws for you to be insurable.

A special servicing company like Ocwen makes more money to bring a delinquent loan current over keeping a good loan current so this is appealing to investors who are looking for portfolio performance.Furthermore, you really have no control over the servicing rights of your loan being sold to another servicing company after loan origination if your loan is within the conforming loan limits (FNMA/FHLMC).

They can do "non-conforming" loans.