I also saw an interesting article from the National Apartment Association that charges the tenants to have a package pickup locker. https://www.naahq.org/news-publications/communities-set-package-delivery-programs

That's what I did....then when it appreciates in value by 25%.....refi out of it into a conventional loan so that you still don't have to pay pmi....Then use the VA Loan againRepeat

Normally, you will not be charged for quotes and it will give you the opportunity to chat with each and see who you would like to do business in the future.

My friend may need to call a lawyer since it appears that criminal charges were filed against the previous property owner the day after the property changed hands and the solicitor is unwilling to answer any questions about said charges as my friend is not the named defendant yet was the legal owner at the time. 

After talking to our finance guy, we've learned that there are no regular\conventional loans that we could use to buy it, but our numbers look really good if we can get it and finish that unit off.

I work full time currently and make good money but currently my school loans are killing my DTI to get a conventional loan for the next two years (until I own my first property for two years).  

However I thought I would post here to to document this experience for anyone else who might find themselves in this situation and to ask are we the crazy ones for standing our ground or is this the broker in charge from hell?

Apparently there is no guideline in public on how the parkland fee charges for ADU.  

Nor am I planning on being a conventional real-estate agent.

My GOAL ONCE I GET THIS IS TO RENT THE TOO FLOORS AnD LIVE IN BASEMENT UNTILL I HAvE ENOUGH TI GET ANOTHER Investment property2BEEDROOM 2NDFLOOR RENT -1700 2BEEDROOM 1ST FLOOR RENT-1700BASEMT - (1 BEDROOM) - 1200TOTAL 4600EXIT - WOULD TO Re-FI TO Conventional LOANWHAT SHOULD I KNOW ABOUT REFI TO Conventional LOAN IS IT ANOTHER OROCESS?