There is no official designation of what constitutes a hard money lender or a private lender. 

If its allowed, you would have to figure out how to do this conversation, which may require an architect or design professional.  

To get it reclassified one kitchen will need to be removed and apply for a designation as a single family.

I work on the design and engineering side of things in the San Bernardino area, just north of you!

They have nice design decisions and it looks simple in comparison with ApartmentsCom search. 

Jason - If you are the kind of guy who asks your mechanic for legal advice, then take the advice of the others that have commented previously.

Right now I'm basically doing pay-as-you-go here-and-there gen-ed courses, but I plan to start pursuing a Mechanical Engineering degree in the fall at ISU....maybe.At this point, I have nothing but 200 dollars in savings, and a total of $10k in debt.I moved home for the summer, but rather than get another job as a server, I feel motivated - compelled even - to pursue something bigger.

I'm not sure about the mechanics of the cross collaterialization, but my broker has mentioned it a couple of times.

Staging professionals are not into house building or house designing.

About $1000 to do it.That's from a 10 minute phone call.My primary residence lot falls into an area where the city has a plan that designates this as "medium density residential, 11-20 units/acre".