I currently work in the human resources department of a petroleum company but would love to leave my 9-5 to concentrate on things I enjoy.

I am looking to buy a single family in Morris County NJ and want to zone it  as a two family dwelling.

In San Jose and per codes I’m allowed to build an accessory Dwelling unit in my backyard.

I called the local Habitat for Humanity but didn't know what department to talk to so left a message on their main line. 

As far as I know, when you rent an apartment, your landlord has the obligation to provide you with a living space that is fit for human habitation.

The converted apartment should be permitted and approved as a second dwelling.

You may have to get creative...find a duplex in a good area and Airbnb the units or find an SFR with a legal accessory dwelling unit and live in the smaller unit while renting out the main etc. 

That's what's doing it.LLCs get commercial and hard money mortgages, human people with pulses get residential mortgages. 

There is inherent risk in every investment, and while we try to take as much risk out of the deal as humanly possible at the end of the day it is going to be your property and project. 

So, you are prepared and still able to close with the appropriate funds if need be.Appraisals can make or break your investments and appraisers are they keyReal Estate Investment, like many other things forces you to deal with a varying multitude of people and the their "Human Condition", appraisers are no exception to this.