The proposed ordinance changes by the planning and zoning commission were too strict, and if they were to be adopted I was afraid it would significantly impact our ability to operate as a short term rental.

The landlord may need an attorney if the proposed tenant files a complaint.

Hard and fast rule for a VA Underwriter (also for FHA/Conventional they all will not use proposed STR).

Best way is to find a couple different firms in your local area and ask for proposals.

You should be able to determine value in current condition and value after proposed updates.

She is proposing mortgage occupancy fraud.

The general contractor proposed $13k for the whole roof replacement with IKO material (can upgrade to Timberline HDZ for $500 extra)  and 10 yr transferrable workmanship warranty.

@Sawyer ScottMore specifically as to why your proposed financing wouldn’t work1.both lenders want 1st position liens, with your proposal one would have to be in second position2.

It is encroaching past your frontage which if I processed a permit to install the service the City wouldn't normally allow, but as an existing condition there isn't any specific issue allowing it to remain.Generally it's not likely that any of your proposed improvements would be immediately adjacent to that PL anyway, so leaving it in place likely presents almost no impact to your proposed development. 

In a city like Galveston TX, how likely are you to find a landlord that will work with you and allow you to do what I am proposing?