Hi Tom, This is a unique situation - some lenders may allow this as a departing residence excluded from the debt to income ratio. 

@Andrew YuYou are posting a sensititive question to your application on internet.anyone can read & do research on you, including immigration department.

The only info I see from Baltimore city's Department of Housing & Community Development website is: 1.

Not charging a mark-up was cute and good when I was a one man show, however when I grew this company and had to hire a full time billing department, full time maintenance department, and full time turnover manager, the slim 8%/month would not cover my overhead. 3.

Maybe the fire department would give you that.

Dear Christopher,I don't think you will have a problem...because your target population should be cash-pay clients, not Medicaid/Medicare recipients.

We would NOT need to order a 1007 market rent report if we had either:1st months rent and security deposit2 months of rent deposits (canceled checks)If it’s a departing residence we could only use rental income to offset monthly payment (we couldn’t use extra income if 75% of the lease was 3,000 and mortgage was only $2,500 I couldn’t give $500 of income to boost DTI unless he has moved out of the home for some time and we have 1 year of history of being a landlord (which it sounds like we do, just not sure if he’s just moving out of this home).

The planning department says that once ADUs are installed, none of the units on the property can be rented for less than 30 days.

Many things go wrong in construction, some of which are unavoidable, how the contractor handles those issues is paramount and speaks volumes to their abilities (or lack there of in the cases above).There are no short cuts to construction or dealing with the building and safety/planning departments in cities, they are slower than turtles in almost all cases.

I encourage all others who have been swindled or have had similar experiences to share them too and to submit complaints to the Better Business Bureau, Department of Consumer Affairs, Consumer Financial Protection Bureau, State Board of Accountancy, Federal Trade Commission, Police Department’s Financial Crime Unit, and the District Attorney.For the potential franchisee owners who are considering this as a business, I would run the other way!