Yes, assuming you've created 2 separate units it's usually a zoning violation at the least.

Haven't been on here in quite some time so I just created a new account.

We will only be starting with about 20k-30k and we had originally planned to start flipping houses to build capital quickly, then build our rental portfolio to create stable passive income, and then build other tiers. 

Also, as a courtesy, I created an account for you at XXXXX.com which allows you full access to the entire MLS. 

This model is well suited to singular and static investments such as crowdfunds and other private placements.IRA & 401(k) facilitators create plans that put you more directly in control of the funds and transactions. 

If your income is under $100k - then you can create a tax loss of up to $25,000.

I got an investment/secondary home HELOC from Vectra Bank but their customer service and overall experience is trash.

That's not my market, but it seems like excellent news to me - regulations like that encourage responsible ownership/management without severely handicapping the industry, and in my opinion creates a safer environment in which to operate a business without fearing that super-strict regulations could swoop in at any moment.  

I have thought of spray foam which creates its own vapor barrier but it is way too big of a job for the standard DIY kits. 

Even adding a 3rd bedroom creates a disconnect from the other bedrooms.