Once the family members with disabilities or who are sixty-two (62) years of age or older, or any other family member, no longer reside(s) in the premises on a permanent basis, or the title is transferred, the property owner shall notify the zoning official in writing, and the accessory family dwelling unit shall no longer be permitted, unless there is a subsequent, valid application.As you can see, it's really all up to the zoning department of that city or town, and my guess is that if your proposed use doesn't meet the above, they will not approve it.It doesn't really sound like they're talking about an entirely separate structure, so if that's true then the question about getting bank financing for such construction would be moot, but it's possible I'm reading the above wrong.As far as whether you can build on the empty small lot in general, you'd want to look up the zone of the lot on the assessor page and then look up the Permitted Uses section of the Cranston zoning ordinance to see what can be built there and Zoning Districts Designated to see if your lot meets the minimum lot size to build something.

The guy was an emotional wreck…pale, hands shaking in fear.

Is QBO set up to measure the actual ROI on the property or would that need to be down separately once you've gathered all the information from QBO?

Keep them separated.

~ No matter how much time as passed the emotions for the family are still raw..Good luck..  

there is a wealth of information on the BP forums all related to STRs (its a separate STR forum). 

Is a double close contract along the same lines but separate for each party? 

More degrees of separation but same results. 

This is what we did, completely separate from our primary transaction bank.

Plenty of HMLs have a long-term product separate from their short-term products but they are distinct products.