If not, tell them to call back in two weeks or whenever you would accept day Z.

These loans have been referred to as Section 32 loans, which means they deal with Section 32 of Regulation Z.

Never heard of a P&Z office say that you can not apply for a variance!

Even if not bound by Reg Z type disclosures and rate calculations, I would think the scrutiny these portals are under would lead the compliance folks to walk the most conservative path possible.

Thankyou, Mary z.

Originally posted by @James Z.

This will be my safety net and my real life experience in the coming years.Cordially,Z

(also no guarantee anybody has heard of them)It would seem that what we know right now is the first wants X and second wants Y and we do not know what the OP needs as Z.  

You can get a zero clearance F/P, box it in, use Z/C chimney pipe, at a box store for under a grand, larger door could get around $500, deck could be a grand and landscaping a few hundred, or go more with a larger deck.

I've already set up a trust and don't really plan to calculate how many units = XY or Z so I can move PDQ to the beach.