A lot of houses are done without permit.

This is where most people start getting nervous. And, honestly, it's for good reason. Having good residents can make owning a rental house a breeze, but bad ones can make it a nightmare. Fortunately, there are practic...

Sooooo CA should have no problem at all flipping that bill, right? 

Because, for instance, if I am flipping a couple of properties and I am in the middle of the rehab, but it will take a couple of months for them to get finished and sold, I may be paying $4000 on hard money debt payments per month, and if that debt is included in whether or not I will qualify for a refinance, then I may not qualify.

.: I’m considering a flip on a land lease.

I actually had come across your post below in the Events forum and thought to myself it would have been nice to attend that to see first hand a local flip and talk shop about the process.https://www.biggerpockets.com/forums/521/topics/1215682-chec...I am happy to hear that someone with your experience in the region feels that Westchester is a market with some potential.

Different times, different place, different circumstances but did good on each flip at the time.

Even in housing.  

I recommend getting a few quotes and choosing one that is right for your financing strategy. if you are trying to get fix and flip money there is a wide disparity in rates and charges.

You can get houses at huge discounts and it is a great time to buy for appreciation.