I have the plans done but the city is telling me I need an engineer stamp.

@Suvir Salins    exercise caution just become these homes are the price of stamp duty in your country does not make them good investments.I used to post of the property investors forum in your country.. and I met the Dingo there 6 years ago. he has done a nice job ... be very very careful.. 

Working class people in C class housing who are laid off during an economic downturn will get by on unemployment and SNAP (food stamps) because those things will cover much of what their income was when working.

We also count "income equivalents" such as food stamps and utility subsidies during the qualification process.  

If it is Currently zoned/allowed for 3 units…you need permits which means you need certified/stamped plans for whatever you want to do. 

If it's going on a foundation, I would expect most jurisdictions to require stamped plans.

Of course, he argues and told me Quickbooks was better than my software, but when I had a major IRS audit a few years ago, my son and I had to compile (put together) our records into one separate file for the IRS.I was surprised to find that, unlike myself, me son saved every paper receipt even for things like when he paid cash for one 49 cent stamp.

(again, we're not stamped metal ceilings, gold faucet, built in fridge kind of people.  

This is due to handicap accessibility compliance in entrances and bathrooms, hard pipe vs pvc and pex for plumbing, sprinkler fire protection requirements, and stamped plans with a chapter 34 review to acquire a permit.

-Setting up an ACH withdrawn system, some banks might even offer this server- Have them mail it to you (let them know you go by the date on the stamp.