Still doing some digging, but if the neighborhood and city will allow it then will take the next step and see if the cost of these additional services would negate the value of splitting the property up or not. 

So I’m hoping the 2025 year brings change to the percent allowed (40% changing to 100%??

@Gerald Koonce Private lending from family members is allowed with proper documentation and compliance.

I agreed to leave a buffer around the entire development but we needed the allowed density..

"Evicting" squatters who were allowed to live on premises from prior complacent owner was interesting to say the least.

We’ve found that allowing pets and providing an in-unit washer and dryer are key amenities that help attract guests.

If you're looking to get started in real estate investing, focus on building a sustainable "assembly line" that allows you to grow year after year.

Will the HML allow you to refi?

If you work a day job in addition to your plans to pursue real estate in this way, then focusing in 1 city/MSA will drastically reduce your time spent focused outside your job, allowing you to keep your income high, your job safe, and your problems simpler.

Yes it explicitly allowed things like the term and rate, and I wrote that it should exclude anything additional which is unnecessary since I couldn't be there to read the closing docs themselves (which I assume can vary depending on what the branch leader/loan officer wants for the nonconforming loan).