It may also be that local banks would rather not deal with the onerous regulations of an FHA loan and instead are steering you towards other products. 

The government gives me a break of over half a buck on every mile I drive to my investment properties and back, landlording.

Also, is there state laws or regulations to do wholesale transactions.

The property is zoned R-6 and in the Citizens Guide to Residential Zoning Districts & Regulations on the Richmond City website R-6 properties allow for "One dwelling unit located in an accessory building, containing two or more stories (lawfully existing prior to the date of this section), with conditions" ... which to your point sounds like accessory units are only "grandfathered in" .. still I will reach out to the planning department for more information.

If something happens in the future in regards to STR regulations, you would be poised to restart your AirBnb business. 

Due to the pessimistic outlook with regulation around AirBnB's I think house hacking via AirBnB is only a good idea if you can ALSO make it work with a long term rental in case things go south. 

My family and I have used the strategy with bungalows where we bought older properties that were in need of lots of renos.The reno costs were between 30-60k and we put non-regulation suites in both houses.

I'm not getting much feedback from the government office in charge.

While we believe there are certainly ways to incorporate e-authentication into the legal systems, it is critical that non-repudiation be the primary goal of the software platform, as well as security to prevent malpractice.EU regulation on e-signature usage in courtWithin the EU, regulatory standards on eID and e-signatures are implemented to ensure that, when adhering to said standards, the issues raised in the DocuSign case are not applicable.

@Patrick Liska  PA DOES have state inheritance tax, and it applies to PA real estate, even if owned by somebody out of state, like NJ.  0 percent on transfers to a surviving spouse or to a parent from a child aged 21 or younger; 4.5 percent on transfers to direct descendants and lineal heirs; 12 percent on transfers to siblings; and. 15 percent on transfers to other heirs, except charitable organizations, exempt institutions and government entities exempt from tax.