The nice part is that there is less flexibility with the GRM because it is just looking at the rent and the purchase price.

A lot of city's will be pretty flexible and understanding of situations if you just reach out and try to have a conversation with them and ask them how to proceed to close out the permit.

But if you can be a little flexible with neighborhood that might grease the wheels on finding a deal. 

Regional banks and credit unions are also a great route to start as they may have more flexibility on their loan options. 

We can all agree that having credit card debt isn't favorable but if used correctly, it can add flexibility to the renovation project.

She's flexible if the deal works but in general she is looking at this type of investment.Are there any agents that focus on larger complexes that anyone can recommend?

I was pretty flexible.   

I've found a strange lack of discussion of how much flexibility various kinds of insurance give on rebuilding.

The law is intended to address the state’s housing crunch by making it easier to build less-expensive “missing middle” housing — duplexes, triplexes, fourplexes, cottage clusters and townhouses — in areas zoned for single-family housing.The Oregon Department of Land Conservation and Development is currently developing rules to be completed later this year that will guide cities in implementing the new law.Last week, the Oregon League of Cities sent the department a letter on behalf of nine cities, including Salem, expressing concern that cities would be left with “very little flexibility” and prevent them from pursuing their own housing strategies or responding to “community goals.”The league’s letter asks that cities be allowed their own development standards and for minimum expectations from the state on just how much middle housing they should produce.Michael Andersen, a senior researcher at Seattle-based sustainability think tank Sightline Institute, said that what the league is asking for would considerably water down the law... 

Also she wanted some time/flexibility to shop around for a bigger new place.