Originally posted by @Curt Smith:@Nick Q. 

@Keith Cuddeback The deed of trust will be filed with the county recorder's office and will identify the original amount of the loan. 

Back o the original question assuming the 1st loan will allow a 2nd smaller local banks will be your best bet or a true Private Lender.

If the Borrower moves back to the original area, the Borrower is not required to live in the original house and may obtain a new FHA-insured Mortgage on a new Principal Residence, provided the relocation meets the two requirements above.

Had heard from someone at PG&E that a separate meter would be required due to a separate address, however our city in the East Bay said they had not heard of this and were adamant that PG&E could not require it or would even be involved in the ADU beyond the main panel upgrade and solar installation.The state law referenced in the original post, AB 68 by Phil Ting, makes it very clear that a utility cannot require a separate meter, unless the ADU is being built with a new single-family home, or the ADU is to be located more than 150 feet from the primary house.

How will the Fed react to the U.S. economy creating 818,000 fewer jobs than originally reported from March 2023 through March 2024? 

However, sellers should take note: while prices are up, the percentage of the original list price received has remained at 97%.

My original loan just transferred to "Mr.Cooper" mortgage.

Your original cost basis of $175k doesn’t offset that boot; it just carries over to the new property.

Retention wall in Original photo picture bit unclear.