I have properties in Stillwater and western Wisconsin. 

Found a credit union called Western (Western.org) that claims they go to 100% cltv. 

In a lot of the towns I work and invest in here in the western suburbs of Chicago, the town code enforcement folks actualy flag these things every time a building goes up for sale.

I've done some research and saw that there's a REI meeting every last Wednesday of the month for Western New Yorker's, and I'm looking forward to meeting you guys next week.

I'd just like to turn to the community and see if anyone had any suggestive tips and try to meet people who are a bit more local in the western Wisconsin area.

This kind of stuff doesnt happen in Thailand because they depend so much on tourism and are trying to encourage westerners to retire there.

The TN Smokies, Blue Ridge, and Western North Carolina mountains are all great options.Please feel free to reach out if you want to discuss anything more or if you have any questions.

Signed, an ignorant westerner :)

There are tons of areas around Chicago that still cash flow well with low crime rates and the numbers still work with the higher taxes (check out western suburbs Berwyn, Cicero, or even Elgin and Aurora). 

Work without permit is impermanent work.Not everybody who put in a 2nd kitchen plans to keep it there permanently especially in a SF without ADUAs eventual resale (afteer moving, died, etc) is expected to be with financing which seems the longtime western standard aka '(north) American Dream' as home prices are widely based on 'the most' much banks will lend out for it, and values for state/county/city tax likewise based on such inflated markets to fatten also those officials' pockets too.Typical response from inspector will be 'obtain permit' for impermanent work as most always even just demolition requires permit - before beginning 'any work'.I remember in NYC, people would replace a simple toilet or sink vanity themselves and neighbors would report them the moment they spotted a DIY project - and city would literally come out and issue violation and 'stop all work order' without even getting inside to see if what the tenants and/or neighbors tattled was actually true.