HELOCs are not regulated the same way that regular mortgages are, and this allows each lender to develop their own "rules" about when they adjust, what the interest rates are, and whether they lend against investment property. 

I feel like there is more than just getting the land and putting a house on it (Zoning regulations, surveyors, anything else).Any insight will help. 

@Larry Marshall1) I did mine in 2019 so I don't have experience using the 2020 regulations.2) The majority of R1 lots can accommodate an ADU in some fashion.

What they do care about is that the property meets the minimum standards as required by the local housing regulations for habitability if you’re going to rent it out.

I understand there may be some rules or regulations in place but if you have the client base, it may be a good place to start.

I don’t take credit for composing the list, but I’ve added a few of my own: Here is the list (No relevant order):Best Ever Apartment Syndication - Joe FairlessTraction - Gino WickmanExtreme Ownership- Jocko WillinkAdvanced Tax Strategies - Amanda Han and Matthew MacFarlandSo Good They Can’t Ignore You - Cal Newport10X Rule - Grant CardoneRaising Private Capital - Matt FairclothVivid Vision - Cameron HeroldThe 4 Hour Work Week- Tim FerrisThe Miracle Morning/The Miracle Equation - Hal ElrodThe Hands-Off Investor - Brian BurkeRich Dad Poor Dad/Cashflow Quadrant - Robert KiyosakiNever Split The Difference - Chris VossCrushing it in Apartments and Commercial Real Estate - Brian MurrayMulti-Family Millions - David LindahlWealth Can’t Wait - David OsborneMiracle Morning Millionaires - David OsborneRetire Early with Real Estate - Chad CarsonIt’s a Whole New Business - Gene Trowbridge Raising Capital for Real Estate - Hunter ThompsonHow to Legally Raise Private Money - Kim Lisa Taylor....This is a wonderful list that I’m sure will increase your knowledge and advance your journey.Much success and good luck on your REI journey!

If permitted, zoning may have conditions for you to comply with such as setbacks.Contact your local government otherwise to determine if there are any regulations you must follow. 

Highlights (lowlights) of these changes Include: Applies all TPO provisions to new construction (removes existing exemption including ADU's) Prohibits conversion of parking to ADU's (Illegal for the City to regulate under State Law, see attached legal opinion letters from CA for Homeownership and Bridge Realtors) Creates numerous new causes of action for tenants to initiate civil lawsuits Allows tenants to add roommates unilaterally even if prohibited in a lease.

This will create thousands of new jobs, many of which will match our target tenant pool.Large numbers of people are fleeing high tax/regulated states like California.

I am trying to do an owner occupied loan in the state of Florida and I understand that it has to comply with all the Dodd-Frank regulations.