It this case, the VA appraiser did not identify any faults with the property that would put it out of conformance with VA’s minimum property requirements. 

I understand the majority of suites are non-conforming and allowed to operate provided they don't cause the city/neighbors issues, however, were I to purchase this property, would I run into problems pulling a building permit to work on the roof, since it would be subject to building inspections etc. and the suites are not up to code? 

Granted this was on the balance sheet side not conforming, agency loans.

DOESN'T QUALIFY FOR CONFORMING LOANS (VA OR FHA)! 

@Christian KimChristian, for conforming loans, you can get away with insufficient trade lines.

There are other lenders out there that are higher, but they are not conforming loans and the rates/fees will be higher.The guidelines for those folks that sought relief for Covid related delinquencies are also very clear. 

@James PetersonThere really isn't anything a lender can do for this type of property if the zoning is "legal, non-conforming" and you can't produce a 100% rebuild letter. 

1.66 MILL Housing starts announced, over +250 people moving to Arizona every day, Extreme Seller's Market, inventory well under 2 months supply, Average Median SFH price is +330k and rising, historic low interest rates for 2021 remain, 7.5% increase in conforming loan limits from 2020 to 2021 = increased buying power, unbelievable rent and sales price increases, and the list goes on!

They were the most economical when my house was considered in a fire zone and I needed a non conforming type insurance co.

I do not believe I can get a residential while not living in the building at this point but as fate has it one of the units is opening up and I am thinking it would be a good idea to move back in so I can legally refi as a residential loan.My long term goal is to hold this property long term and eventually leverage to buy further properties but not necessarily live in it any longer than I have to in order to conform to loan expectations.Questions are...1.