I was notified that I could separate the lots via a surveyor which would provide two separated properties for two separate refinances.

He structured one purchase into 3 separate notes to keep each one under $250,000 so no commercial appraisal would be needed.

Reason for moving is "separating".

Once I got behind it I used a reciprocating saw to separate the cement etc from the studs.

Finally, and separately, network with as many people as possible.   

Get the best rate you can, but it’s far more important that you keep it separate, include all the necessary 8-203 info in your lease, and properly account for it at the end of the tenancy.The DHCD calculator (it that’s what you’re looking at) is great for deposits received after 1/1/2015-and a landlord is permitted to rely upon it per the MD RP Article.

I would think the fact that it has separate electric meters would add some level of legitimacy to the fact that it was converted before zoning, but I don't really have any experience on whether Indy just considers these properties as "grandfathered" or if they try to enact some level of "enforcement."

(It doesn’t matter whether the loss is deductible on your tax return.)You, your spouse, a co-owner of the home, or anyone else for whom the home was his or her residence:Died;Became divorced or legally separated;Gave birth to two or more children from the same pregnancy;Became eligible for unemployment compensation;Became unable, because of a change in employment status, to pay basic living expenses for the household (including expenses for food, clothing, housing, medication, transportation, taxes, court-ordered payments, and expenses reasonably necessary for making an income).An event is determined to be an unforeseeable event in IRS published guidance.Other Facts and CircumstancesEven if your situation doesn’t match any of the standard requirements described above, you still may qualify for an exception.

I think the only likely option is to do the loans separately rather than together with a commercial loan.

The home is on 0.6 acres on a steep hill so it has the potential for building an ADU separate from the house but the site work would be more difficult on the hill.