I offered them 10% down, interest rates favorable to me, amortized for 30 years, but with a balloon payment after 3-5 years.

I would start with them.I am not based in LA, so I don't know your exact laws, but I think I can still provide some initial direction for you to find answers, and maybe offer an idea to research.  

They will look at the ENTIRE cost of the project and calculate what they can offer you in loan amount.

However, rezoning now could still offer some advantages depending on your long-term goals.

If you're located in WI, check out Premier Point Realty and Homestead Realty....both offer the licensing course at a discount and some of the lowest fees/commission splits in our local market.

You'll get lots of these, some with very enticing financial offers.

My goal is to leverage equity through private money lending (PML) partnerships while building valuable relationships within the local investment community.How I Can Add Value:With 6+ years of experience running various businesses, I can offer high-level and detailed technical insights to help visualize and automate your operations effectively.For example, I’ve developed a dashboard that tracks company expansions across the greater Phoenix area in real time.

But if your goal is to leave your day job soon, multi family will offer more cash flow typically.

Tax Savings:While it’s true that the stock market has been strong, real estate offers unique tax advantages that aren’t available with other asset classes.

It’s more about offering a different option for owners who need capital, and offering investors to access the world of real estate investing fast and smart, like never before.