It could be that the property had the lower level finished since the last appraisal was done, but the only way to get this confirmed is to have a licensed appraiser go out and assess the property in person.

Hello Arnold, I personally used my 401k to buy my home back in 2017 so I know from experience its a pretty easy process.

They think they can hide behind custom contracts and lawyers. 

I've run out of options from my side on how to "get around" this zoning issue, the buyer may have some options using some "personal" connections.

@Christopher Lynch Personally my top three areas would be the North Conway area, Lincoln Area, and Gilford area. 

I am willing to give the person who goes to the property commission if and when the deal actually closes.

Long story short, I have 3 properties in my own personal name: Small multi-family properties (a 4 unit and detached garage bank, another 4 unit, and a 3 unit) that I had residential HELOCs on in the second position, with a fixed residential in the first position. 

I don’t know the individual personally, but the people I do know managing multiple units work 6- or more hours per week.  

Personally if they were polite with good communication and nothing was stolen or damaged.

Personally I would probably sell because I don’t like managing properties more than 5 to 10 minutes from where I live.