I would like to divide the tax parcel by doing a minor subdivision, however, the zoning department has told me it can’t be done as the second home was never intended to be a stand-alone residence on its own parcel when it was initially constructed.

So much so that the residents are showing up in large numbers to try and slow the expansion.

All comments above on this topic are from NON mortgage industry people.Hey, what about the resident(s) title agents on BP? 

It's my primary residence.

Your VA loan is a powerful too, the question is do you want to keep a property and do you want to purchase another primary residence if the answer to both is yes then you would probably want to pay down your loan.

Myself and my sons reside in the home.

The full-time owners had an outsized voice on the condo board and did not like the fact the we and a couple of other owners were renting our places to "transient" residents.

I know you said conventional loan but is this primary residence purchase? 

I know the first $250k is tax exempt on a primary residence. 

If the bathroom revovation was done to the portion of the property that he is occupying as his personal residence, then that renovation cost is not deductible at all.