I recommend seeking a professional who charges for the value they bring to the table.

👀Park Hill golf course is no more - welcome Denver’s 4th largest public park coming summer of 2025 ☀️This 155 acre plot of land will now be home to picnic tables, walking trails, and other temporary features 🥾The biggest gripe I hear about buying in the city, is not enough accessibility to outdoor spaces, too clustered, etc.

If I were the neighbor, it sounds like I'd be the only one bringing money to the table so you could get something you want.

This would allow us to come to the table with less funds out of pocket on the front end when starting construction.Is the best way to complete the transfer of ownership through a traditional sale registered with the county? 

Check out this table: https://www.municode.com/library/ca/oakland/codes/...This is what you're looking for: https://www.screencast.com/t/Xkyp3OZWkI Oakland, for a building with 3 units or more you need to have a lot sized at 7,500 sq ft.  --- From the zoning code it says, an RM-2 zoned lot can have "1 unit per 2,500 sf. of lot area"If you don't meet that lot size requirement you'll need to make a request for a variance, then post notice about the desired change in front of the building.

If you do not have job or another sufficient source of stable, reliable income, then you'll need a coborrower with good income to be joint on the loan with you to bring the income component to the table.

The people who actually have an incentive to ensure you make it to the closing table are all telling you 5% down conventional, maybe there's a reason for it.

Quote from @Nathan Gesner: Quote from @Danielle Levy: I agree with Nathan, you should bring more to the table and lay it all out there so that we can give you the exact detailed answers you are looking for to be successful.

That would be “leaving money on the table.” 

Coasting means taking risks off the table.