This is normally a 40 to 50 page document that has all the details about how your individual plan works.https://www.irs.gov/retirement-plans/401k-plan-fix-it-guide-participant-loans-dont-conform-to-the-requirements-of-the-plan-document-and-irc-section-72p

Mark,Oridinance & Law coverage is important if the building codes or zoning laws have changed since the house was built, it is on a non-conforming lot, etc.

There is a "front end ratio" and a "back end ratio" to qualify for conforming loans.

That means loans that conform to fannie mae/freddie mac rules.

Luckily the two buildings are on separate parcels, which allowed me to get conforming 30 year fixed rate loans.  

They arrive in a variety of sections and are generally installed on a poured in place continual footing and stem wall foundation including interior footings by crane or in some cases with a series of tracks and rollers if cranes are inaccessible or impractical.But here are some of the major differences:They must conform to the same local, state and regional building codes as homes built on-site.They are treated the same by banks as homes built on-site and are easily refinance-able.

Unless you are getting cheap rent via rent control, you can plow all that rent money into a mortgage. 30 yr conforming is about $500/month per $100k borrowed.

Non-occupant owners will have more hoops to jump through to conform to the new laws.I know you said you don't speak french but if you can sit down with someone who can translate for you this article is pretty informational: https://www.contrepoints.org/2018/04/14/313971-air...Hope that helps!

I don't know if Fannie/Freddie allows lending to corporate structures and I doubt most banks will, under conforming rules.

This is a discussion you need to have with your mortgage lender/broker and confirm what their underwriters are comfortable with.And I second what @Nathan G. said - just because someone added a second unit does not mean it conforms to zoning (and it being a multifamily property may mean it can't be considered a second home purchase for financing purposes).