Hi everyone, I put an offer on a legal duplex in Hamilton (just got a zoning verification certificate from city of Hamilton, confirming that  the house is recognized as a 2 family dwelling, legally established non-conforming in zone C of Hamilton mountain area). 

I had a unique situation where the property has two driveways (called non conforming) meaning the city wanted me to terminate one, and widen the other.

Some folks get so roped up on controlling their tenants and making them conform to the rules that don't so much affect their tenancy, that they lose focus of the big goal here.

It's just talking down to me, treating me like I haven't even thought through the basic considerations before posting my question, and then not addressing my question at all.The first time I asked whether anyone had any experience with legal non-conforming zoning and FHA loans and was told rather abruptly I should just consult a lawyer if I wanted authoritative advice.

I currently have (1) FHA mortgage, (3) Freddie conforming mortgages and (5) portfolio loans through a local bank.

I prefer the perspective of: a 'deal' is the transaction that fits your model (read: end-game), regardless of it's conformity or lack-thereof to a metric. 

Legal non-conforming 2 unit in R-1." 

I see them listed as "non-conforming bedrooms".  

Delayed financing for cash buyers. 30% down payments for loans up to $2M.Capital Three Sixty- National Lender, Residential, Commercial & Hard Money Lender (Ask for Jon Finman)Civic Financial = direct lender www.civicfs.com 1 year 8.5%-10.5% fix and flip2 year 8.5% to 10.5% extended rehab or qual for conforming loan, IO4 year 8.5-10.5% if you cannot obtain traditional mortgage financing.

If what you're trying to do is to get conforming Fannie/Freddie residential notes, then it's not your bank's fault:) Secondary market, which is driven by these 2 GSEs, regulates that residential mortgages can only finance property to people, not companies.