In his warped perspective, he and his family are the aggrieved victims in the scenario, the extra bodies in the house were basically an oversight, and the lawn care and garbage issues the HOA has complained about are a matter of harassment.

cant any body get portfolio/commercial loans as long as they have 20% down? 

We plan on just engaging a lot more face time and showing our bodies via door knocking and community events to show our support and willingness 

I just helped someone get a six unit with two auto body garages on the same lot. 

There is no certifying body.

We have some mild experience in landlord/tenant from our previous home ownership, my experience in lending is more on the regulatory side, but I'm not unfamiliar with lending, closing, foreclosure, and short sale processes because of the time I've spent in financial institutions.

With Google's ever changing indexing tools, SEO is now DOA - - doesn't add any value.All the things that were true two years ago, change last year and again this year - - it's impossible to keep up.In SEO, there were all kinds of rules on the page title, use of H1,H2,.. tags, first paragraph text, body text must have contents of meta keywords - -all history today. 

. :) Can you address other two questions in the body?

Another challenge (look up Basel III) is there have been additional regulatory burdens placed on banks which has tightened their ability to lend.Ultimately, however, I think getting construction loan approval all comes down to the numbers.

The first floor is a body shop/used car lot and the second floor is a 3 bedroom 2 bathroom apartment.