Per City of Oakland, it looks like this building may legally be just 2 units (not 3 units as listed), so one of the units could be non-conforming.

Anything in that band above the conforming loan limit and below the conforming high balance loan limit, we're not consistent about the language we use. 

Not sure where you are living now or if you have collected a spouse, kids, or dogs; however, if it is just you live in the non conforming basement "unit" and rent out the upstairs.

Hey @Samuel Pavlovcik now that the ADU program has been in place for a bit, how are you seeing the city handle existing non-conforming units?

That may be high, but one thing many of my clients are 'shocked' by is the overall cost for these type of projects even after giving them a summary of what to expect.If this was City of SD and you were bringing this to me based on what you have mentioned I would advise that you are unlikely to get this approved due in large part to the type and number of non-conforming features...the lot size is generally a 'no-go' without some specific reasons why it should be approved.

For non-conforming loans like that I’d broker it out.

That said, it is going to have to be non-conforming unconventional type of financing.

You aren't restricted to 10-mutual fund purchases before you're maxed out of conventional/conforming loans.  

They are usually for people who cannot qualify for or do not want to go through the hassle of a conforming loan.2.

I am currently house hacking a non-conforming duplex here in Denver and we bought this SFH back in late 2021.