Since the numbers may be very similar in these markets its important to have a few conversations with people on the ground that you can rely on.

When it comes to obtaining a primary - I'd have a conversation with a mortgage broker that is TRULY investor focused when it comes to originating conventional loans.

I would love to have a conversation about my situation to ensure I’m adequately covered but not paying for anything unnecessary.

Here is text taken from the HOUSABLE website for Oakland:Utility ConnectionsCategory One: No new or separate utility connection shall be required.Category Two: A new or separate utility connection may be required, but the connection fee or capacity charge shall be proportionate to the burden of ADU on the water or sewer system.Here are definitions of the ADU categories from the City of Oakland website:CATEGORY ONE ADU: Involves either conversion of space within an existing Single-Family Dwelling, or conversion or rebuild of an existing accessory structure; includes no expansion of the existing building envelope other than up to 150 sq. ft. for purposes of accommodating ADU access and egress only.CATEGORY TWO ADU: Involves construction of a new detached or attached structure, including an exterior addition to an existing structure to accommodate the ADU, in conjunction with a proposed or existing Single-Family dwelling.It seems that Oakland is making things confusing with the language they are using, but I still believe that my original interpretation is correct based on the State Assembly Bill. 

More information would be helpful for sure, have you had a conversation with them about your account? 

You’ll receive notifications when there is conversation in the forums you follow or if a user mentions those keywords—so keep them updated often!

By previous conversations, the Seller is unlikely to extend/decrease payment past this point.

They are typically structured with a short-term interest-only period during construction, followed by conversion to a permanent mortgage upon completion of the project.CMBS Loans (Commercial Mortgage-Backed Securities): CMBS loans are commercial real estate loans pooled together and securitized into bonds, which are then sold to investors.

We've done many other land subdivisions, but no more condo development or conversions. 

Will anyone have an actual conversation about what they consider when screening applicants?