", are these permitted sites (i.e. did the health dept or other governning body indicate the additional units are possible with the current zoning) and if so, what is the utility connection situation for those additional 6?

On the home that we are selling, we have about $100,000 worth of receipts from Lowe's, Home Depot, Plumbing Stores, Appliance Stores, permits, and contractors etc.

If it's permitted, you are probably fine.

Also some states don't permit interest style charges (daily fees can and have been viewed as interest rate charge as it works the same in concept). 

Rather than macro trends, we look at local SFR trends, Multifamily building permits, income growth, population growth, job growth, hyper-local competition, and interest rates. 

Other provinces permit the collection of security deposits (ranging from 1 week on a weekly lease to 1/2 to a full months rent on a monthly or annual lease) or the last months rent (Ontario).

Most contractors will have a good sense of what it takes to get permits and might be able to offer some advice into the process of splitting a lot and rezoning.My guess is that changing zoning might not be the quickest process, but it probably depends on the location of the property and what's around it.

You need someone experienced and savvy with permits.

Here's an example of how we write our notes for private money investors: 10% annual interest, 1 year term, early payoff permitted, no monthly payments. 1 year is really just to be safe but we'll repay in 6 months or less(meaning we pay 5% in interest).

Do you really want to buy a property that has been altered in an area that does not require permits?