My initial conversation is always complimentary.

With the clients I assist, we look at premium of course, but it's more of a coverage conversation than anything. 

Additionally, you have felony issues with this grifter in that not vacating the property under the terms he applied his signature to, makes a case for fraud, conversion of property and so on.

This sounds like a waste of your time so use it as a learning experience and use the inspection to get out of the deal.California passed a sweeping (applies to SFR and multifamily parcels) accessory dwelling unit law that took effect on Jan 1 that generally allows for conversion of any accessory structure or garage into an ADU and removes local jurisdictions' power to limit said conversions. 

Follow up your correspondence with email, summarize the conversation so it can be documented.Based on my experience, fathers who allow their adult children to live in their second homes typically pick up the financial slack when needed.

Second, a great way to get your frustrations out, is to chase a little white ball around a beautiful outdoor setting...and capp it off with a good meal, great conversation, and a couple of beers.

I just had this conversation with a lender I use.  

I've had this conversation and written similar comments on this forum a number of times this week.

@Anna Weightman Regarding non-conforming use, please message me and we can continue the conversation.

(Something to consider - can I refill that savings)My third lending option would be a commercial loan buy it as I see it as an office building conversion, it's in the right location, what benefit would it be to go with a commercial loan now?