If you get past the legal hurdles, let me know.

Of course, verify your situation with your CPA/Legal.

I will be doing an FHA or traditional cash out refi on my primary with them early next year (there is still the up front PMI on fha, but no closing costs) to wrap my first, second, and some divorce legal debt together and then doing a rate and term traditional refi several months later to lock in a lower rate than a cash out would have now.

There are characteristics of a cycle, like good economy, jobs, low unemployment, consumer confidence, new building permits, new loan applications, low interest rates, etc.

Are there any details or legal problems I may not be aware of? 

Sounds like a bit of a frivolous lawsuit but best to protect yourself through the correct legal entities. 

Who is paying for the building permit?

If so, what are the legal complications?

It is illegal for the County Clerk's personnel to give opinions or legal advice.Thanks BP

In Colorado, dual-agency is not permitted.