The situation may be improved by having a loan officer as your advocate - could not find such in my case up here.

Keep in mind that you may not be able to use the PO Box format for all paperwork, but you can get away with using a post office box address if you use "Street Addressing"...or a UPS mailbox.

Thanks for the helpful tips all!

Could you give us the name of the bank and your loan officer?

My office is at Denton Tap and Sandy Lake.

CA enacted the Accessory Dwelling Unit law that says any SFR can have a 1200sq/ft building as an ADU, and I called the Assesors office and he said I could most likely get one of the buildings coded as an ADU BUT that may require ripping out the 2nd kitchen in the 'main house', which is a deal breaker.

PM me and I can recommend a few experienced loan officers for guidance.

I've been a real estate assistant for the past 5 months and just got my real estate license 3 weeks ago. became an officer in the Marine Corps.

I called David Sayles office and was able to find an insurance to cover us.

They want you to get your license though because your worth is significantly lower while you are not licensed because you're not allowed to communicate with other Agents about most things they might be calling the office about, nor accessing homes, nor talking to clients in anything other than a receptionist capacity.If they find you valuable once you start, they might ask you to show homes for them, or to do some of the work that they like the least.