The ZenBusiness Premium package and the local attorney are the two options I'm most strongly considering, given that they offer the most comprehensive services.On one hand, ZenBusiness seems like a streamlined, cost-effective way to get things rolling, especially with the added features of the Premium package.

I have over 40% equity based on loan amount of $200K and general market value of the property at $400K (unsure what assessed value would be).I'm thinking I'm a candidate for PMI removal.

While Fair Housing Act of 1988 is the overall law that governs housing discrimination based on health conditions, the law doesn't go into great detail on how those health conditions should be interpreted and applied, and often references back to the ADA for several things, including determining if an animal is actually a service animal in the first place.https://www.hud.gov/sites/dfiles/PA/documents/HUDAsstAnimalN...QUOTE:  "Because HUD interprets the FHA to require access for individuals who use service animals, housing providers should initially follow the analysis that DOJ has determined is used for assessing whether an animal is a service animal under the ADA."

Assuming the property value has remained stable or appreciated, when you refinance, the lender will assess the current loan-to-value ratio (LTV) based on a new appraisal.

However, if you are able to narrow your scope to 1 or at most a few specific markets, you may be able to get a fair idea of how many rentals there are from out of state landlords from the assessment data by looking for out of state mailing addresses with multi-family properties.

(lower PITI) Get cheaper property taxes - argue with county with a Property Assessment Appeal that your home is worth less than what they appraised it for, thus lowering your property tax burden (portion of your mortgage payment)4. 

The property is in California, so the children will get the benefits of a locked-in property tax assessment value that is at least half of similar properties ($27k), and when the children do sell, they will get a step-up in cost basis for ~$1.6M on the eventual sale.  

I’m now going to share them with you to help you assess and compare the offerings from the different developers.1.

also you look at the comp plan  comprehensive zoning plan.  

Once they sold enough units and got under 20% rentals, banks started lending and property values jumped.HOA fees always go up and you may have special assessments hitting you out of the blue, particularly in an HOA that's been mismanaged.HOAs have retired people with nothing better to do than spy on neighbors and report them.