(census.gov)Now I am not sure how underreported illegal immigration is but I am going to hazard a guess that people go where  people of similar backgrounds are so immigrants legal or not are likely to follow the patterns you see on this map as many look for connections from their home country.

If you're adding an ADU you wont need to add in sprinklers but a legal expansion into a fourth unit would most certainly.

Quote from @Kevin Leslie: An LLC is useful for two things: anonymity and legal protection.

It’s extremely powerful to compound your earnings, which means you want to legally minimize or defer your tax payments as much as possible.

After paying closing costs, title fees, appraisal, origination, underwriting, processing, legal and other fees, the typical refinance costs about 1.75 - 2.5% of the loan amount just in closing costs (obviously before people yell at me, this varies drastically by state, but having done loans all over the country I find this to be a pretty accurate estimate).  2) Keeping the average 2% cost in mind and the fact that people typically refinance when rates drop about .75% - 1% or more, I wanted to see if paying an extra point now when I was already paying all the closing costs to buy the rate down made sense. 1 point can get you between .5% - .625% off the rate depending on the days pricing and the coupon you are pricing. 

Im not to sure on the legalities of this for them.

Instead, you might want to focus on the legality of it.

The not-so-good news is they are listed as being in business only 2 1/2 years, they have zero reviews and 3 registered complaints.

FWIW, we follow HUD guidelines and legally reject about 90% of the ESA requests we get. 

You can exchange ideas with your agent and have him work something out with the other side through conversations but once you all agree on a plan you MUST GET IT IN WRITING so everyone is legally bound and your EMD and interest are protected.