Don't restrict yourself to a local accountant.

I can't seem to find the answer to this question, let's pretend I have tenants that for whatever reason disagree with regarding late fees I imposed for paying their rent late, or they broke their lease and I charged the early termination fee, all within the contract but they still want to go to battle for it.

In those areas you may also have HOA restrictions on ADUs

However, since the large NYC tenant population would benefit from such largess, the votes go the way they always go and NYC holds sway over the entire state - ruining our way of life here that is profoundly different than the values held south of the Tappan Zee bridge.To add insult to injury: Given, we're still mired in a much more restrictive state eviction moratorium because of an EO by the King Gov that has lasted from March of last year until at least May 1, (bet ya $100 it will be extended again).  

Hopefully once COVID restrictions have loosened we can meet at one of the various meet ups @John Whitfield

. :-)What is an average penalty in VB area if the condo association considers that the owner violated rental restrictions?

Conventional loans are sold on the secondary market and have federal restrictions (Fannie Mae, etc.)

If I remember correctly it leads to normal rates, like 10% down, and not a restriction on living.

The only private money I've used was Civic Financial, it was a simple and pleasant experience, the cost goes up but these are transitional loans and the intent is to refinance out within a few months after you fix whatever credit issues you have that is restricting you if that's the case. 

However, there are restrictive covenants one sister who lives in back is imposing. 1- a height restriction on current house limiting the current structure to its current height and nothing to rise above the peak i.e copula, weather sensors etc..