If using a lender this is a non issue.

I'm looking to scale & use private lenders to expedite closing.

.🔹 Airbnb is Facing Increasing Restrictions:New York City has implemented strict rules requiring hosts to register and be physically present, effectively banning many short-term rentals.Dallas and Atlanta have passed zoning laws banning short-term rentals in residential areas.California cities like San Francisco and Los Angeles are ramping up enforcement with hefty fines for non-compliant listings.🔹 Co-Living is Gaining Legal Ground:Colorado eliminated all restrictions on the number of unrelated adults living together statewide as of July 1, 2024, marking a major victory for co-living advocates.This week, Jacksonville Municipal Court ruled in favor of PadSplit, voiding citations for “illegal boarding houses” on constitutional and fair housing grounds.Cities like all over like Washington D.C. are considering zoning reforms to allow more co-living developments as an answer to the housing crisis.As Airbnb restrictions tighten, co-living is emerging as a scalable and legally sound alternative that balances affordability, tenant stability, and community needs.

You might consider: Consulting a Real Estate Attorney – Your emails may possibly prove misrepresentation.Requesting Public Records – A FOIA request might reveal why the city denied you but later approved the duplex.Escalating to City Officials – Bringing this to local officials could expose inconsistencies.Exploring Tax Write-Offs – A CPA might help offset your financial loss, if it is possible.I’d definitely seek legal advice.

I'll check around with some lenders to see what they share about their comfort with the timeline - whether HELOC or not.  

They may be non permitable.check with the local city or county before you get into it where you can't get out.

Do you mean the bank information from which I am taking loan will be public?

I have seen services like Likely.ai, PropertyRadar, PropStream etc.I'm also open to coding via Python based on publicly available APIs. 

I'm a mortgage broker and can offer just about any product QM and non QM with competitive pricing. let's close some deals!

Here's a post I made on "non-conforming" vs "illegal/unpermitted", understand they are NOT the same thing.