Hi Chad,We refinanced a unit from a 15 year fixed to a 30 year fixed conforming while cashing out the down payment required for our newest unit.

I will need some help regarding a variance for a non conforming unit behind the main property. 

You want to know what their stance is on replacing homes ( and meeting current setbacks ) or if you can conform to the standards of when the park was built.  

Get your tenant to explore NON- FHA options like 99% ltv & 97% conforming loan options.Also, you need to know the REAL deal with this buyer's "Mortgage" report credit and ability to obtain a loan.  

Hello,I am in Chicago, IL and I purchased a 2-unit building with a conforming basement unit.

@Mike Malfitani if you are referring to a conforming, conventional loan or a government loan then you do not need to season HELOC funds. 

Most if not all states with a broad-based income tax, including California, conform to federal law with respect to the home sale gain exclusion.

He owns several rental properties that he bought through his IRA with non conforming loans.

If you have to refinance you need to consider that because you will struggle to find a lender that will lend money on basically a non-conforming property with nothing similar surrounding it.

Incidentally, it isn't necessarily the lenders but the guarantors like Fannie and Freddie that put out the conforming guidelines.