Hello BP family.I was reading this Urban Institute Report(below) on ADUs which shows that MD county approved 177 ADUs between 2013 and 2018 which represents (0.12% of housing units). 

Unless you have a single agent, they are representing ONLY the transaction.

The lender also had a problem with the ADU having a separate house #, which is what the addressing department with the city of San Diego auto-assigns -- they wanted an "a"/"b" or "1/2" etc, not two separate numbers...not sure if that's a problem with Fannie Mae though.The did say to try credit unions since not all of them will sell the mortgage to Fannie Mae.We did think about trying to petition the city to switch the primary and ADU, but the two problems with that is a) There's almost a zero chance the city would get that done fast enough before rate lock expires and b) I worry that while it may be easy to switch the designation now, it may not be so easy down the line -- and if I ever want to remodel the first (original) house, i'll be limited to the 1,200 sq ft limit on ADU's if I can't get them changed back.I think the laws/guidelines just need to catch up with the current explosion of ADU's (at least in California)... so I did what I could, which was write to the federal representatives for my area...Obviously won't help my case now, but may be able to get things updated if enough of us speak up.

Properties listed on Zillow and Redfin are not the best options for investors and they represent a small fraction of listed properties. 

I do not.These closing costs/prepaids represent 9 months rent out of YOUR pocket on a measly 108k loan of which you'll receive an even measlier 99k. 

His insurance lawyers will not represent you.  

If your agent represents only one company or just a few, you may want to shop the policy. 

@Albert LeeBanks won’t reveal information about their customers unless you are representing their client and the homeowner has signed a letter of authorization.

After completion, said improvements shall be approved by a representative of Lender and an occupancy permit issued by local municipality.

Are there other options for the buyer without using a buyer's agent where they are still represented in some way for inspection and closing?