Due to general unresponsiveness of the HOA we did not seek any permissions.However, soon we received a letter from the HOA attorney with request to remove the privacy walls and the foundation support bars with fines for every day not complying.

Hard money, though expensive, can support the purchase and rehab. 

It's also so awesome to see the support for the newbies here.

BP members, thank you for all your wisdom and willingness to share!  Two weeks ago, we closed on a SFR (long-distance). Today, a great family moved in! Hybrid investment. Looking at the next ones via traditional &...

Not all R4 will support more than a single unit (not including SB9).

Things would get easier to do if you go down to a duplex in terms of viable lots and code, but that's a lot of effort to end up with two units at the end of it when the current market would likely support better returns on a spec single family home.

Then go back and make the contractor a final offer with a written bid to back you up.The fact that he won't provide you a break-down supports your questioning.

I just thought there would be some support.

Keller Williams has provided a wonderful support team, procedures, and helpful tools like Appfolio to get started.

This is good, and I am in full support!!