Hi Derek,BE sure and do your due diligence, check your majors, HVAC, Plumbing, roof, electrical, check to see if the county denied permits for remodeling, or has any existing conditions for remodeling, like red tagged HAVAC units, or sewer lines....Not trying to muddy your deal, sounds good if you don't have any of these issues lurking under the surface.

If I had only gone into the County planning department and spent some time, I would have found out that the previous owner had attempted to apply for a building permit and was denied.

Also, when you go to cashout refinance with a regular bank, does having those P2P loans on your credit report cause the bank to deny your application for permanent financing-even if you promise them your using the money to pay those loans off?

I am being denied, after jumping through all their hoops, because I am $1000 shy in my personal savings. 

I am sure you could apply for a permit but would get denied when the zoning board reviews it.

One was to change the zoning to a higher density.Estimated Costs:Engineering Firm: $65,000.00Architectural Firm: $60,000.00Estimated special studies: $50,000.00Consultant: $50,000.00Basically to process the general plan amendment from the existing land use of the residential portion LMR R-1 to an HR R-3(highest and best use), or alternatively to an HMR R-2 if the HR R-3 is denied.

NJ will not deny owner occupancy to his/her own property, but you still must honor the current leases.  

Legal reasons Manager may deny an ESA, as per the Fair Housing Act Section 5 and as determined at the discretion of Manager, include: The animal is too large for the accommodation size.

Deny application initially but offer approval with deposit plus 2 months rent up front?

Not my preference, but I will not be denied.