We have codes that require us to use impact windows or suitable storm protection. 

During an inspection on an egress window, we got accused or altering a wall arch we'd opened up and rebuilt due to water damage and issued a stop work order.

because they are held too much higher standards and code of ethics than any wholesaler.

The main one is 10131.1 of the Business & Professions Code, which basically says that you need to be licensed if you’re “in the business” of making loans.

Assuming of course that the finishing work was permitted and performed to code, and the new room's use conforms to habitability laws (for example, the bedrooms meet minimum dimension, ventilation, heating, and ingress/egress requirements).

This is without the interest only option as I run my criteria on base numbers before altering the strategy with tweaks such as IO.

Decide how much money you have access to, & the zip codes, city or state you want to focus on.

Some lenders don't seem aware of this though, so I actually had to go and find the actual language in the TX code to prove it to an underwriting depart.  

Hey Andrew, I'm looking at the following Zip codes: 77047, 77048, 77075, 77033,77034.

The building codes in the area are loose.