It appears that the product is for use on second homes, vacation properties, homes for direct relation (mother/father/child).

@ Yi Zhao  Awesome, my mother used to sell tuquoise in SW NM.  

I´ve lived here with my mother and my step father for about ten years now and I´ve grown to both love it and hate it over the years, but let´s put aside all of the boring business.I joined this site for one reason.

Long story short I was adopted and only recently was told who my brith mother is.

Hi @Syed-Shawn Azam,I've been working with my recently widowed mother to better organize her retirement assets.

Originally posted by @Russell Brazil:I dont know anything about San Antonio, but unless it is a dying city like Detroit...Stop reading the 10 year old newspaper strips your mother put in your outhouse for toilet paper.

My third property my mother lives in and is 100 percent paid off.

If you can not put a young mother and her new born on the curb in the dead of winter you should not be in this business.

My mother in law lives down there still, so the next time we go down there to visit I would love to buy you coffee and talk real estate, thanks again. 

Not all are legal and permitted, but that doesn't change the fact that they are still there and people still rent mother-in-law apartments for anywhere from $650 for a small 1 bed or studio, to $1000 for a 2 bed with a kitchen and living room.