Most times the board/committee will follow the recommendation.

Especially since they have suffered from one of the most financially devastating economic crises of our lifetimes.I found some data directly from the US government to support my claim.From the United States Senate Joint Economic Committee (<<< Click Link for Source)"Millennials are still recovering from the financial crisis, which will likely put a permanent dent in their long-term economic security.

Managemnet by committee is very inefficient and difficult. 

For those of you considering Oakland and ADU as a house hacking strategy, some notes from some east bay ADU advocates:"On June 29, 2020 the CED Committee approved 64 amendments to the "Tenant Protection Ordinance" (TPO) as well as Rent Control and Measure EE (Video link of meeting at: http://oakland.granicus.com/MediaPlayer.php?

Instead enlist (the Best and the Brightest--you can find that will work with you) to handle the details, while you oversee the big picture.For instance, lets say you wanted to have an annual harvest day parade through the down town with licenced (paid to the city) vendor booths for food and crafts and etc...That's a lot of loose ends that need to be tied up and overseen, year after year.Instead of doing that yourself, you work at finding enough volunteers where you can pick the best and the brightest to set it up and oversee it--a committee of volunteers.

So I spent weeks with the city offices, utility companies, contractors, site developers from decades ago, etc. to try and get to the bottom of this and finally was able to prove it to the lending committee that there was no risk, their initial report was incorrect, and that they should not require further environmental studies.

The Federal Open Market Committee left interest rates unchanged last week and noted that economic activity and jobs “have picked up somewhat in recent months” while pledging again to use its full range of tools to support further improvement.

You maybe able to try and get a committee started.

You can still go as high as 75-80% on a case by case basis but that has to go in front of the banks credit committee. 

@Jaquetta Turner thank you and that is why I turned to the BP committee.