. :)I think it comes down to four things -- proximity to Center City, tracking pricing over time, tracking building permits, and tracking inventory/rents.

You'd need an independent cost analysis on the replacement (I'd get three estimates), permission from the city to close as a variance to their permitting process (likely the sticking point) and a new addendum for this additional agreement.

See how nice and helpful people can be when the situation is correctly stated :) @John Andruszka   SO Ya your next step is post pay or quit then file for non-payment, eviction, she's not gonna pay you a dime. is my bet and I bet I'd win that bet..You have no guarantee she'll pay rent, you've given her 2+ extra weeks to move..

They may try to tack on extra fees such as "holding deposits," "rental fees," "pet fees," or "application fees."

As part of the building permit application process for a secondary dwelling, the owner of record shall submit a declaration, under penalty of perjury, stating that the secondary dwelling is not intended for sale separate from the primary residence, but may be rented.

Although, he did not get the permits he was supposed to and filed a claim with his bond company and got his whole bond.

My question - do you think its worthwhile to get someone who is licensed (and pay the extra $1000 - piece of mind) or try some of these other guys off of facebook, craigslist, etc (WITH the assumption that their references and insurance checks out).

High demand, little supply of available property for us to build on, and a permitting process that was to time consuming. 

Maybe they know more about the extra liabilities. 

Talked to the mortgage company and they said 2 things happened. 1, they added some extra insurance to my account.