The penalties are very severe, her IRA is at risk and I suggest you speak with qualified expert to ensure that you doing things correctly. 

We still ensure our end buyers have the ability to pay per the regs, of course.

Now trash service is a questionable item in some communities but wanted to ensure you include this as well.  

Luckily, as a safeguard, Cdn banks have recently implemented a "stress test" to their underwriting standards, and use 2%+ to the going rate to ensure the DTI of the borrower is still within limits.  

I suggest you speak to your family attorney if your estate is not sizable, if it is, an estate attorney might be better (and more expensive) to ensure your wishes are carried out.

This helps ensure that rent increases and property appreciation will continue.

I'd listen to a few Dave Ramsey podcasts - Dave and @Jon Holdman are equally adamant about ensuring you are getting degrees that are valued in the market place. 

Also, who must I meet with in order to ensure that what I want to build is up to code/ legal?  

This keeps deadlines on schedule and ensures good quality for the work done.  

How do you ensure that their needs are being met by the PM?