New Garage door on detached 2 car garage.My mortgage company is Citizens Bank and from looking at their rules for PMI cancelation(per google AI) they are:"Citizens Bank will automatically cancel private mortgage insurance (PMI) when your loan-to-value (LTV) ratio reaches 78%.

Your program sounds spot on, I like the "graduating" to less restrictive properties, but initial intake into the most tightly controlled home.The NIMBY factor is certainly an obstacle, but can be overcome with persistence (of legal action to enforce one's property rights, assuming one is in a correctly zoned area).something that could be added is work outreach program, as the ability to find work after recovery is obviously critical.

Detachment from the area.

New Garage door on detached 2 car garage.

The county tells me I could add up to 3 ADU's, one in the basement (at the same time as replacing the foundation) and two detached ADU's.Adding any number of ADU's has the potential to double my current cash flow.  

I of course could get the property re-zoned but that is a long, tedious, and expensive process.I called the city twice about this and both times they told me that with R2-1XL zoning I can have 3 ADUs, 2 detached and 1 attached.

Something is wrong and you aren't going to fix it by being detached and switching to another company.

Hello everyone - I'm relatively new to BP and posting. I'm starting my personal real estate journey, but want to find more people that are willing to just talk about real estate or bounce ideas off of. I feel there is...

Money is not an absolute obstacle. 

Hello all, I have a family member that has a decent property 4bd 2b  2 car detached garage on about 1-2 acre value is around $230–250 and if cleaned up and in perfect condition $300+.