Sounds like you are getting hit with a lender who has overlays and possibly miscommunication between the loan officer/processor to the underwriter.

At a high level, the system ingests raw documents from the recorder's offices, building permits, zoning permits, market data, and other auxiliary datasets.

If you’re looking for DIY options, PropStream and DealMachine can give you some lien info, but they may not always be 100% accurate or up-to-date.For Central Ohio, check with the county recorder’s office or clerk of courts for lien and judgment records.

Possibly already permitted outbuildings that already have plumbing such as workshops, offices, etc might be able to be converted to an ADU at a cost that does not result in the cost being more than the value added.Building an ADU is a lot of work and can be a slow process.  

ways to meet such people would be meetups, or simply walking into some smaller offices, could also ask around to other owners of the assets you are interested in and see who helps them. 

Your Lender My suggestion to find #2 & #4 would be to go to the top of this page and click on AGENTS & LENDERS.There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

However, I don’t have a US-based W2 (but work full time for an American tech company in their London office). 

Thursday Dec 12th, 5:30 pm at my office 4103 S Texas Ave Suite 105 Bryan TX

However, it’s important to ensure that the deed is properly recorded with the county recorder’s office to make the transfer official.

We set a record for our Team, serving 82 families and funding over $32 million in loans this year.We ranked in the top 5% of loan officers/teams in the entire Nation and top 3% in the State of Oregon!!