And if it's your primary residence, permits are not an issue.Pm me if I can help.

I've been waiting on permits for quite some time.

A couple of brokers have said that due to current guidelines, the max for owner-occupy 4 fam is 80% LTV, and that an 80-10-10 isn't permitted with this set of variables. 

All of the parks in my neighborhood are owned by the HOAs so I get to avoid town permits since it is private property.

This is all IF you're going to get permits, which I strongly recommend.  

This ordinance only permits four or more persons to live in any dwelling unit if they are members of a traditional family or the functional equivalent of a traditional family.

One thing to be aware of In West Chester is the fact that there is a restriction on student housing and the town is not currently giving out any additional student rental permits; unless the property already has a student permit, the student subset of the market will be out play.

I going to sell my house but just replace new A/C unit without permit will have problem to sell ? 

Do the condos require any special permits or site plan approvals?

Basically, he advises keeping an eye on the direction of five macro indicators for your market, home sales, foreclosure filings, builder permits, interest rates, and one other that is escaping me at the moment.