Tenant suffers damage due to flood for failure by landlord to inform him that the property is in 100-year floodplainA 100-year floodplain refers to any area of the land designated as a flood hazard with 1% or greater chance of flooding each year by the Federal Emergency Management Agency.

My front end DTI is 26% and my back end would be 39% with the second mortgage. my credit score is around 710-760 depending on the reporting agency.

It seems like it would be easier to go straight to the listing agent, but some residential agents won’t do dual agency and it complicates things.

What if you need to exit early due to lack of performance, personal issues, etc.?

So this doesn't seem right to me...if I see "new construction" as a buyer, I:a) assume the home has never been occupied, andb) that licensed contractors were used to build all aspects to state code, to offset the lack of required inspections.I know homeowners can do their own work, but shouldn't that imply occupancy and be listed as previously owned home vs. new construction?

I do work with clients as well as part of my agency business! 

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

When you say you are looking at different properties for the best deal, you are signing up for a year of analysis paralysis and lack of focus.

I also don't know if there's a specific process we have to go through with the city for it to be recognized as a duplex down.Basically, I just don't know if the status as an illegal garden unit (the lack of ceiling height and correct zoning) prevents me legally from using the space for either of these ideas and legally, or if it's just dead space. 

Basically, I just don't know if the status as an illegal garden unit (the lack of ceiling height and zoning allowance) prevents me legally from using the space for anything at all.