Department of real estate in almost all states is the authority over PMs as they need licensed so complaint to them to start .. then they get the proper criminal folks in the state involved.. thats what I have seen.If its smaller amounts then complaint to the DRE usually will rectify it as the PM does not want to lose their license and their lively hood..

If the second unit is not permitted and you want a conventional loan or FHA or VA they might condition to tear it down.Probably if no permits you need to go hard money and won't be able to refinance conventional until the county planning department shows you pulled permits and met whatever they now want to meet code.There are some exceptional counties with density and high value that grandfather in a conversion done to code in the 1970's called a granny flats.What does the tax bill show as square footage? 

Our organization is looking to apply for funding from the Department of Community Affairs to offset construction cost to bring in new development at a reqaosnable cost.

Talk to the HR department at the hospitals, clinics, etc.

If you have any specific questions, I'd just give Aurora Building department a call, and they can answer all of these specific questions.  

I will say by far their home loan department was THE WORST interaction we have ever had with a bank.

Currently I'm working as an intern for my state's Department of Transportation, and I plan on getting hired on full time upon graduation, which will be almost a guarantee.

Call your county's community development department and inquire there. 

@Shanna Pettie I’d call around and ask about DSCR loans they typically require less down.. fair warning, credit unions often have great products in this department but in my experience they don’t close

@Thomas Corey, I would call up the construction department and ask them.