I am  also sure  there are books you can get this vital information from out there if you ask from people or investors in the state you would like to invest in. 

if so, then you are exempt.despite your modifications, it sounds like your townhouse is still classified as one unit for tax purposes, so this would classify as a house hacking situation, which is exempt.

I could hire out structural modifications to add needed egress windows and strengthen the shear walls and rough in the breaker panel,  then frame the place myself, pay somebody to drywall it,  then install the kitchen and bath stuff and probably have a unit ready to go for someplace around $50K.   

Modification is in the best interest for lenders for this region. 

The fed is going to step in and allow mortgage modifications sometime in late 2021.  

@Jon HillIn an easy and relaxed manner, in a healthy and positive way...I now take better care of myself and transform my body to emanate youth, vitality and vigor.

But that does not let me apply modifications.

I still have some family in St-Vital, but do not get back very often.You will find lots of useful information and experience here.

So cash flow is vital to your success after you're done being actively involved in RE.

I also look at it as an opposite where if someone is wanting to spend too much time on the walkthrough looking for any issues I see them as someone who is too picky and likely to want modifications which I won't do so we all have our biases I guess.