As Judge Judy says, "if it's not in writing then it didn't happen!" 

We did check with the NV Board and are in the process of filing a complaint. thanks again.Ps what is Lending home?

Did you speak with them prior to purchase to understand their process?

Personally hate the notion of using them solely because the loan process is "easier".

Hi Joe,I think going with a LOC is going to provide you with more flexibility than going through the process of obtaining financing for a purchase transaction.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

You just need to know the process

This means you'll want to "write off" expenses related to a property you have in service because if those expenses don't benefit you this year they could in the future once you sell the property.We can get into a lot more details with the "if" "and" or "buts" BUT I think this would be the "simplest" answer without diving into your specific situation here.I hope this helps! 

Since this is my first go around - I'd really appreciate advice on the following:- any references on lawyers /firms to work with to go through the Barment and foreclosure process without breaking the bank.- Ball park ranges - what can I expect the cost of this process to be?

But SEO is a never ending process and this individual wants to charge over $20K for a one time program he recorded.