The process is getting allthe information together like the 1003, credit authorization form, bank statements, income statements etc. they will underwrite the file and confirm the borrowers ability to repay.What state is this in?

What are the chances that a bank will finance my project?

My realtor retired from Banking Management about 30 years ago.

It has always been dictated by my bank or in 2 cases by my lawyer when other people were involved. 

 You may be able to secure higher leverage financing through alternative lenders than a traditional bank (not always the case) and this may help advance your objective of reducing the down payment/cash requirement but that may only be temporary relief as you will likely pay more over the course of the loan because of higher rates and fees.

They also have accountant access to my bank accounts and credit cards, so everything gets reconciled.

It sounded like you were viewing this from afar as a numbers game and not at all attached to the asset and Easton, which is a great area.

I have to think a ski town is all about STR  not the opposite They currently have about 100K in the bank that was to be used for a common space amenity, but I suppose could be used for enforcement legally. 

I’d be very grateful for any advice or recommendations on how best to approach these modifications.Also if I were to refinance in the future to pull out cash from the property, is this something that banks could refuse to lend on if I have code violations of lets say a wall that was moved or removed?

Unless they have a builder inn mind and then I can get their builder approved with the bank for that build and future builds.