My sticking point is nowhere in the regulations does it mention anything about building an ADU on an R1-1 zone with an existing duplex.

Everyone in the team is professional and regulated, and their business is highly based on the reputations.

It is when the lender starts controlling the project do they start becoming liable for what happens.Just be aware that different states have different ways to regulate lending.

Due to Canada's privacy regulations, it's very difficult to find specific property owners' phone numbers, unlike The US.

@Isaac El It totally depends on if there are any rent controls or regulations in that area.

Are there any rules and regulations from IRS on paying yourself rent if you own an office building and your unrelated business uses that location? 

It has something to do with regulations for commercial loans... very different from residential. 

are great.Credit unions regulated a bit different and often can be more flexible on terms.I can refer you to AR Federal credit union in Little Rock, I just did a refinance with them, and Bancorp south, also Centennial is good value.

I have been looking at zoning regulations but I am having a hard time figuring out if I am allowed to convert existing structures into discrete units.

The State Board of Insurance regulates these and we do not have a Transfer Tax in NM.