PML and the other lending sources typically have different programs they offer that are less strict on underwriting but that additional risk comes at a cost of usually lower LTV, higher rate, higher points, and shorter duration (think 9-18 month loans instead of 30 year loans).  

The government of Pennsylvania has not created a property disclosure form in any language but English.

If Planning does determine the existence of your ground floor unit, it will require you to legalize the unit through the existing Planning code process assuming zoning supports the third unit OR using the new ADU program making your fast track condo conversion a passing dream.With regards, to some of your latter comments and questions:1) Any un-permitted work (including corrections) is not a good idea as a quick compliant from a neighbor can bring an inspector knocking on your door with a NOV especially in the current environment where everyone is SIP.2) Legalizing existing constructed spaces can be hit and miss based on the inspector you get.

Here they say you get them with 0 upfront costs and free after the special tax program and what not. but 95% of them Nobody can qualify for.

Local grants and first-time homebuyer programs can help minimize upfront costs.

I'd hardly call this an example of out of control government.

Where are sources of government funding?

I believe though Douglas County is no longer "rural" enough for USDA programs.

Thanks  100% go sec 8 or other govt program.

A local lender has a first-time homebuyer program that offers 0% down with no PMI and $2k towards closing costs with a very competitive rate (6.025% as of 8/19/24).