Can anyone in Baltimore help analyze costs associate w a home permitted as a boarding house? 

The first two require permits, which requires licensed contractors.  

Any conventional lender is going to require the property to be habitable which means not only a functional kitchen and bathroom but permitted.

. - I know you mentioned Android (I'm am Android guy too), but I really like Interior Design for iPad.It's not a high end CAD program and probably won't cut the mustard for architects, permits, etc.

An option might be a part time fix, buying on a conditional contract would be tighter.Must you be in title to obtain permits there?

pull permits to make sure that homeowner repairs are within code, if you are doing a flip or renting it out you want to make sure that the improvements are safe or you could end up with unexpected costs.

For example, when you hire a plumber to do rough-in, have him pull the permit, then call in his inspection for one week later, then hand him his check.  

The bank will require you to have permits and do all of the work properly. 

In most places you can record the contract, but you might just prepare a one page doc stating you have a contract on the property and to contact you in regards to a closing. the title search will show this if the property is being sold.I have put property under contract for 9 months - development deal, allows me to get permits before closing.

We have no ideas what permits to get or where from.