When I pulled the county records, I noticed that the parcel is RS-1-7 zoning which from reading through the county municipal code is a zone for single dwelling units.

Using some of our own funds as well as the FHA 203(k), we renovated the house including an addition and converted the garage into an Accessory Dwelling Unit.

Basically an insurance provider issues a commercial style policy to place all dwellings under one policy.I would like anyones input if they have gone this route, and their experiences.Thank you!

As communities prepare for an aging population, accessory dwelling units or MIL apartments are becoming more common in SFR zones.

Sorry about all this but at least the big issue is the garage and not the actual dwelling.

The process of going through zoning and city approval is enough in itself to drive you mad, I feel like their goal is anti-developer so it'll be an uphill battle, especially for a city that is very urban and sustainability conscious like Seattle.I'm not familiar with the Seattle market but there's a development/design build firm out there I really like: dwell development.  

Hey Rusty- Accessory Dwelling Unit (ADU) and Mother-In-Law (MIL).

AFAIK (maybe its state dependent) but I read that 3-4 unit dwellings aren't seen as commercial property and can be easier to finance.

You can have an opinion on the status of the Dwelling by an engineer visit and a report.

Your 2 main sources of financing at this point will be either A) a small local bank or credit union or B) one of the newer hedge fund portfolio lenders like dwell\b2r\firstkey.