I first had to pay for a master plot plan survey and have the structure surveyed.

.- population data was obtained from Capital District Regional Planning Commission: Community Fact Sheets- occupancy rates were obtained from: Current Population Survey/Housing Vacancy Survey, U.S.

Pretty much the only thing you didn’t order is a survey

With the property address (and a Plat of Survey) I can give you more clarity as to your specific situation; however, at this point I have a feeling you are going to need to get a building permit in order to actually permit the work to be done to add the basement unit.If the Unit is already built out (recently or has been for years) the City will likely Still require you to obtain a building permit in order to "Legalize" the unit to where you could get the Zoning Cert to show 4 units...

Hours on market, properties selling multiple times in a year for margins, the amount of mortgage surveys that some of my buddies are doing.

On the city diagrams and a new Alta Survey I had done it is listed as an easement for both properties.  

Need to have your realtor checked thoroughly and make sure you get the property lines marked or it will cost you a lot later to get the survey done yourself.

I was addressing due diligence as to collateral, didn't mention anything else.A loan package:It should begin with it's inception, application, appraisal, verifications of employment or income, liabilities/assets are nice if applicable, survey if they had one, credit report, letters of explanation if any, copy of the sales contract, title coverage with lender's coverage, HUD-1, disclosures in settlement, insurance binder or policy, tax report, copy of note and deed of trust after filing.

It also has to cash flow with rental survey.

I had given the feedback in the survey that the other category appeared to be missing and then this post.