Starting with the question of whether you can subdivide the parcel without paying off your current mortgage, the  question is what is the home on the smaller parcel worth, rather than focusing on the current ARV of $325,000.00.

I pay an attorney their value to write these private lending contracts for me, and advise me.

They claim it will boost property value.It might, but I feel like that is should I should have known about prior to purchase and I'm also unsure how the city can do this with out permission or paying for it.

I had one single mom that only had to pay $25 a month, and she was late every month!

Offer to pay for 1 month of a storage unit starting 1 week before you close.

You'll also pay income taxes along the way on the operation of the property.

If they don't pay it in full, then you continue to market it and offer it to the next qualified applicant.

I have experience raising capital for down payments if you are prepared to pay investors at this level.

Remember that once you purchase the property you are paying debt service, property taxes, etc. before you are even shovel ready, and during.  

Is there a way that I could submit properties to someone and pay them for doing the comps for me?