It equals a % and you compare that with similiar properties that have sold in the last year.That would be exhausting and a complete waste of time.  

I think we have exhausted the discussion so I will stop here and leave the issue for others to ponderPs.  

@Justin Thind Renting in "D" neighborhoods is exhausting.

Patricia, thanks for your exhaustive explanation.So we have a choice to hire GC to pull permits for us or pull permit as homeowner/builder correct?

I would exhaust all your free options first before making that large of an investment.

This means when you do want to get credit, you may need to temporarily unlock your credit.The above steps don’t provide guarantees and are not comprehensive or exhaustive, but collectively they can substantially lessen risk.

This is why I advise everyone to put HML as a plan Z, the absolute LAST resort and to only consider once everything else has been exhausted AND with EXTENSIVE consideration to assure, without a doubt, it will be very short-term and is ONLY a temporary bridge-financing.

Reed has an exhaustive analysis of this on his website here:"The truth" (emphasis mine) about getting around due-on-sale clauses

And when this situation happens again next year, and you're forced to sell because you've exhausted your reserves, you will wish you had dumped this PM.5.

So im exhausted so I just really want to know what consequences could i possibly face breaking into my own property?