Does this raise any red flags for the mortgage company? 

I know some very big players in this industry, millionaires many times over, and they are not close to $400k monthly net on payroll.

No, of course not - many red regions will outperform blue ones over the long-term.

Harris proposed tax credits for builders, cutting red tape, and a $25,000 down payment assistance for first-time buyers.

If I get red tagged (I think unlikely), I may reach out for guidance.   

Are there any red flags I should watch for?

That's a great way to put it.Hi Guys,Yes, that will be the move, I already know and have sketch of 2 ways to do it, I didn't want to get into a crazy rehab now, till I make sure my contractor is a team player and he will be able to do so, my idea is to add SF and create a master sweet, let's see if the numbers work fist, this is something I will do after the property is stabilized, I think I can get my capital back and some more with the 3/1 layout now, I will keep you posted!

But I've been watching all the games on ESPN, reading the rules, and even reading some books written by Larry Bird, Michael Jordan, and other great players.

In the next few years I may be moving back to Pittsburgh so this could be an option for me in the future.I did complete the backyard rehab project myself, where I went from a weed-ridden red cobblestone courtyard patio to a comfortable pea gravel patio with chairs, firepit, grill, string lights and life-sized games.

So SB 13 bascially states its very difficult for the city to red tag or remove a safe unpermitted unit off the market?