In August of last year I came across an advertisement for an online auction which described the property as a "fully leased and updated duplex" in Baltimore. 

I do most of my work in Fairfax County, VA and know the area you described well.

His approach is generally just what I described above, except that he's tested so many ways to phrase questions that his team has gotten really, really, really good at it.We're looking to implement something similar at scale here in a few months.Best,   Biggerpockets resident Metaphysician and Empire Builder,The Money Dummy

We do this, and the process is something like:1) Regardless of anything, your situation and process will be different than what I describe, because every property and community is unique.2) You need to check your zoning.

Hi Molly, While I’m not a lender or an attorney, I have seen similar situations as you describe here and have 20+ years experience analyzing leasehold interests.Unfortunately, your options for financing are limited because you don’t own the land under your improvements.

From what you describe, you do not really need the new safe harbor rules.

@Chris SeveneyI can’t comment on residential BPOs, but commercial BPOs value is identifying and describing the property, the value analysis is worthless.

I hope that makes sense how I am describing this.If you have any other questions feel free to tag me. 

@Emily Di I haven't yet met anyone who is pleasantly surprised once they understand what's involved to accomplish what you describe. 

If you could describe the work a bit, I'd be happy to recommend someone!