But this is as I feared, you must first make plans and expand the home, and simultaneously request that part of the addition be used as the JADU only after approval of the expansion.

Has the health department approved of the plan and equipment? 

Check your state’s department of real estate and licensing website, it should have a list of approved providers of real estate coursework.

I would recommend getting pre-approved through underwriting if you want a step ahead.

We also allow people to use a pre approval letter from our company to submit with their offer.

If the property is still in the divorce process, you will probably need to contact the divorce attorney to get the sale approved. 

When you're looking to buy a place, agents typically won't show you homes without a lending pre-approval (or proof of cash funds).

You can work with the City to get approval for a non-conforming use without going through the re-zone or variance processes, but there is no guarantee they'll approve it. 

Just something to think about ask you weigh the pros and cons whether the risk of PSLF not existing / not being approved is worth the 2-300K in payments.May be a moot point - it sounds like you're 3 years in, so my guess is you don't have much of an option but to continue with it.

Pre-approvals are going to be generic as they come.