We have checked- and re-checked the loan docs.Long story short - we lost the deal.

After 16 years in my career (RE broker) and 13 years as an investor, I'm at the equity growth stage as well. 

That's why I am here. first thing I learned in RE is I for sure dont know everything and very few folks do.. we are all learning even at 50 years of doing deals I learn new things every week.. thats why I am on BP you have also 50 states rules and laws are not nationwide so I like to know how each state works when it comes to transactional real estate and development.

Do I need to re-structure?

2 - What RE Market data3 - What Demographics4 - This is an after purchase, not a before purchase item.

If i lived in San Jose, the first RE investment that i would consider is a local property with an ADU that had distribution on the lot that would allow a profitable lot split.   

Even though the nightly rate is high, the RE has such high value that the margins are fairly tight.  

Fairfax county helpdesk seems to suggest that I can only do it via a RE lawyer.

They wouldn't have to move out in the middle of the winter, and we wouldn't have to re-lease in January.

If i purchase RE at 80% down, i have 5x leverage.