But Now, in my area, not only does a plumber have to be the one that touches that, but I am "supposed" to hire a plumber just to demo (i.e. remove a toilet or vanity) the house. 

Unrelated to HOA but if homes won't pass the safety engineered designation, who demo's house and haul off and when does HOA or city make owner to remove?

Giving up a guaranteed increase in value with them using their own capital to increase the square footage would seem like a no brainer, but how much are you losing if you remove the drive thru and can't put it back.I would talk to commercial brokers and other owners in your area to see the value of a drive thru.

Also they remove the need for a chimney and individual water heaters since the exhaust is essentially moisture. our HVAC does most of their work in the city if you want contact info- He's installed 3 for us just this last year lol In basic terms It would involve:-Permits / approval-Additional Meters X 3 (all thru UGI, they coordinate with contractor)-3 additional units to accommodate each apartment.

9) adding multiple ADUs or adding an ADU to a quad looses F/F conventional financing.

We're currently paying for lawn care, snow removal and cleaning services + husband is doing some of their home maintenance himself.

I'm in the Providence RI area, I've been using deal machine to virtually d4d, I am trying to find the most efficient ways of finding a steady inflow of strong leads but I have only get loose ones. 

No one to refer, but when considering a blanket loan make sure to understand the how the loan would treat removing collateral from the pool.

All knob and tube has been removed from property. 

I am obligated to remove my ex from the mortgage by refinancing or selling the house by next July.