Okay, this is different...it's neither  2 legal condos nor 2 legal townhouses....it's essentially an illegal structure, but with approved building permits?  

You're paying with cash essentially in the eyes of the owner.

I'm trying to buy a single family home as well for a flip that doesn't have a garage but would put one there as I think it's essential for a single family flip.The comments on whether an owner occupy buyer would be interested is very valid and could open to more potential buyers if the garage would be there. 

Essentially nothing with a gotcha!

They would essentially pretend I was paying $800 per month instead of 0 which severely limited what I could borrow.I managed to get my loans deferred by getting myself back into school (online classes), but now that they are deferred, my mortgage broker is telling me that the rules of fha are about to change and that they'll have to use the percentage again which brings me back to square one. 

He does not do any business as an agent, but rather just essentially offers each agent the opportunity to do two transactions by bringing him deals.  

I would cut out all non-essentials, brown bag my lunch, brew my own coffee and eat tuna fish for dinner before I got a partner!

I am essentially the owner even though title has not been transferred so I have full owner rights, not just tenant rights as with a lease option...    

Out of curiosity, does your broker provide you with leads or are you just doing this essentially yourself?  

Essentially I just want to know that if I buy it I won't have to do any demo and the city wont be on my ***.