If that's correct, how are you staying in compliance with the loan from your 6% lender?

If too many layers on the roof then the property might not even meet county or county code compliance and not be insurable for a landlord property insurance policy.The core samples generally look at any underneath layers, insulation, and decking.

Hello BP gurus,I have a duplex that's over 3500 square feet, with a large partially finished attic that appears could easily become a third unit, though it will need a fire escape for a second egress.I would need zoning relief (variance) from the local planning board to become a triplex (there are a few larger multis in the neighborhood), help from an architect on design and code compliance, and a general contractor to build it.

From the numbers you gave, if your client could get her loan back into compliance, I'm pretty sure she probably shouldn't.

Owner occupied requires compliance with the SAFE Act and Dodd-Frank, might be hard to get a licensed originator to sign off on these deals.Do some reading here on Sub-2 and installment contracts.

Our company prepares Zoning Compliance Reports as part of Real Estate Lender's due diligence and we always ask municipalities for, and are provided, any outstanding violations.  

We have been working on the laws and memo for compliance for all of this for over 18 months now.  

This is lawful activity in full compliance with California Laws.

The organization was also defrauding the board of education in using the word "university" as for to compliance in using the term under NY academic regulations.Also, there are others coming out with complaints with the bait and switch in other states and other AGs may get in the act as well

I would focus on Americans living in the countries you are interested investing in given that their local knowledge would allow you to do a roadshow in the states with someone that can bridge the legal, compliance and expertise gap overseas.