I am particularly good at analyzing and designing in non conforming size lots.

In certain areas here, when building new, you have to conform to new setbacks (yes they actually changed in some areas) so that could negatively affect your foot print and square footage.

For conventional, conforming loans, 30 years is possible, or at least was a year ago.

This one conforms to HUD building code and not CA code. 

After that it has to conform to present zoning.

Keep the purchase and resale price in mind not to exceed the conforming loan amounts and you will have a bigger pool of buyers.

@Kevin Shuler - Unless you have approval for the non-conforming property, then the worst case is that you could incur fines and worst case be forced to rip up any features that make the house two separate units.

So going this route on a non-conforming lot/property, you would be taking a gamble.So is it possible?

Conforming mortgage guidelines now require a new landlord to show 2 years of rental income on their tax returns before you can claim the rental income in your new mortgage ratios.If you have lots of unsecured debt, consider bankruptcy and get rid of the toxic mortgage and all unsecured debt.

Trump Signs Bill Eliminating the Cap on VA MortgagesJune 26, 2019George BrooksThe Department of Veterans Affairs will now guarantee no-downpayment loans above the Fannie Mae/Freddie Mac conforming loan limit under the Blue Water Navy Vietnam Veterans Act, signed into law by President Trump Tuesday night.H.R. 299 eliminates the cap on VA home loans, which means that qualified homebuyers can now borrow above the agency’s standard loan limit of $484,350 for most counties in 2019 with no downpayment requirements.The U.S.