Although Philadelphia offers detailed zoning and use requirements, I am struggling to find concrete information on the requirements for certain bonuses.

That's a red flag.

As for references to speak with other property owners they work with-call the city zoning department.

I would agree there is a high probability the underwriters will red flag the transactions and could kill both.

A lot will depend on the configuration of the lot (no pun intended....ok maybe a little bit).Also look into the zoning and building restrictions in your area.

@Andrew PettitThe only relatively simple way (I know of) to avoid paying capital gain taxes on sold stock is to reinvest the capital gains into a Qualified Opportunity Zone fund.

This is the low end of a hands off ADU other than converting existing living space.The more sophisticated value add people are still leveraging non-optimized zoning.

One should also consider the possibility of a zoning change in addition to the current zoning on the property if the current zoning does not seem compatible with the development trends in the neighborhood. 2.

My premium is considerably higher than previous year, without any changes such as claims, change of zones, etc.

Big red flags.Even if they were a legit lender, there is no way for you to know you’re dealing with anyone from the company.