HI Jonathan, thanks for your response.

What happens if you buy the duplex with a conventional loan with the purpose to build an ADU to move in shortly afterwards?

Chris,Thank you for the response, that makes sense.

Here is the new response:  "The Terms and Conditions were not properly displayed for the cardholder during the order process or on the same screen as the checkout screen before the final checkout.

You are not spreading the financial risk if you are responsible for all capital.

You should let both of them know that they are both responsible as they both signed the lease.

I think I would probably talk to an attorney tbh these business purpose non regulated loans do not have rate locks that have to be honored legally.. they can and do change them unilaterally.. borrower accepts counters or declines and loan fails. 

There was also a failing retaining wall in the rear of the property that completely blocked natural light form a handful of houses, and was technically on the property line and a shared responsibility.

On the renewal for the license, I asked if the loft was considered a bedroom and the response I got (unsurprising when it comes to taxes & fees!)

Also, her text response "I'm moving out" might have jut been an off-the-cuff comment and not a formal notice.