So if this went to court and you lost (which you would based on the info provided) you will have to pay a hefty penalty, plus the resident's attorney costs and court costs.  

If you reside outside of this map (or on the Nevada side), then your permit requirement will fall under the county rules most likely. 

On your primary residence you should be able to get a HELOC for up to 95% of the current value of your home, subject to DTI restrictions of course (typically 50%). 

.% down of the purchase price and the rehab costsCan be used for primary residence with 1-4 units (could also be looked at as a disadvantage)  When using 2-4 unit property, projected income from other units can be used to qualify 6 months' worth of mortgage payments can be rolled into the renovation budget if the house is deemed uninhabitable by the HUD consultantCredit scores can go down to 600s (lender dependent) DTI can go to as high as automated underwriting system allows (typically 56.9%)Allows you to buy a property in any conditionCan use it to fix minor repairs all the way up to basically a full tear-downFHA 203k Disadvantages: Interest rates tend to be about .25-.5 higher than regular FHA loan Additional costs include HUD consultant fee, inspections, title updates, and supplemental origination fee (Cost of doing business, but this is built this into your numbers, so it's no big deal)Must use a licensed General Contractor for a full 203k or up to 3 specialized contractors on the limited 203k Must hold onto the property for 1 year and live in it. 

FHA loan is for owner-occupied only, and the borrower need to prove that this will be his/her primary residence by: 1.

Hello all, I am residing in Massachuesetts.

When you say "buy a home", do you mean "Buying a personal residence" or "Buying a flip" or "Buying a rental property"?

Is the property you are thinking of getting a HELOC, is it your primary residence? 

My original plan with the land was to build a primary residence/shop on it because I like the location and got a good deal per acre.

I have a remodeled in law suite at my personal residence (my mom was there and passed away).