Check your policy.You can submit the plans and budget to the bank while the permit is going through the city or your legislative equivalent. 

I give a little discount on the points if they will go for 75% or less, that way the loan becomes marketable to trust deed investors under the new CA legislation.  

Before same-sex marriage became legal across the land, some states (MA, NH, DE specifically, I think, but I could be wrong) enacted legislation to protect unmarried same sex partners in this exact situation and it applies equally to unmarried hetero couples as well.However, children - particularly minor children - have some protection here as well and a court would not necessarily ignore them in favor of an unmarried partner, particularly if the house was the sole asset of the decedent.A married spouse usually receives all assets of the decedent and if the girlfriend can claim common law (or if it was already established prior to his death) through the state they were living in, she could receive it all.That said, I do not believe the mortgage company will permit a dead person to remain on a mortgage once probate is settled, so the house would have to move into a trust or to somebody else's name and the ex-wife would then be able to remove her name from it and move on.So yeah - I'm thinking out loud, but the above are all issues or question I would ask a SUPER COMPETENT attorney.

But further and in reality this Fico 09 scoring model won't be used anyway, this legislation driven scoring model is a false offering to the masses to make them feel better about a horrible economy and their horrible credit scores.

If you could change some legislation or tax loophole that incentivised the landowner to give away more of their piece of the pie you may have better luck, but like J Scott said, i'm sure youd have no shortage of customer interested in something new, but i think you'd be short on investors chomping at the bit to build something like this.Maybe i'm being naive or missing the point, but if i'm following along correctly it seems like this is the missing ingredient in my opinion.

They are bent on passing laws and creating secondary legislation that puts all but the largest lenders out of business.

I define a good investment property as one that meets all three of the following criteria: Sustained profitability - The property must generate a positive cash flow today and into the foreseeable future.Likely to appreciate over time.Located in an area where you can make money and business risks are low.The above criteria is a combination of location, the individual property, legislation, ongoing demand and other factors.

My state also has approved them and treats them the same way, so I went and read the statue on my states legislative website, easy to set up, but they are hard to insure here, which I feel strongly is part of setting up an LLC, to fully understand and insure it with a Commercial Liability Policy.

Breed legislation law?? 

Representative John Boehner of Ohio, the House’s top- ranking Republican, said his party will be proven right in predictions that the stimulus legislation grew government and padded the federal deficit without creating jobs."