Not your debts or your income or your DTI or your reserves or the extra guidelines and underwriting and overlays that that a residential mortgage company can have Do you require a personal guarantee? 

If the back of the sofa isn't comfortable, they might be able to work on that, but it will require taking the whole thing into the shop unless it has removable cushions there too. 

Has anyone dealt with a similar situation and still was able to pass the housing code enforcement inspection (1 / 2 required inspections)?

Updates include a new septic system, wall-hung boiler with radiant heat, and a remodeled kitchen with new appliances and an island.

There are no income verification primary residence loans available that require 20-25% down payment. 

A land loan for 'raw' land will require a 50% down payment and high APR as you know.

I recently completed one on a multifamily property and found it to be a cost-effective approach.That said, there are a couple of additional factors to consider beyond the code differences between a garage conversion and new construction:Coastal Overlay Zones – If your property is in a coastal overlay, building a ground-up ADU may require Coastal Commission review, which can add time and complexity to the process.

It requires no money upfront, so you will join thousands of others trying to do the same in your market.

The Sonyma FHA loan, if you refi the loan, move from before the 10 year requirement, etc.

Flat out, I realize we're friends/family, but I need this lease in place to comply with laws that require things in writing and for my protection should there ever be issues.