But it’s something I tailor the business plan to just in case.So your investor could get caught in having their loan called with not a lot of notice if things change.

Just came off his webinar which was obviously a replay even though they made it appear as live.Lots of sales techniques like social proof, testimonials, people buying it live, time scarcity...understandable else it's proven that people don't buy combined with the fact that Jerry is a busy man...Have things changed as of today?

Always validate what you read online, things change, I could be wrong, but use this as a starting point in your research.What Is an ADU?

Lender A misses this or doesn't have this knowledge and then tells you a week before closing that your rate is changing because the program they quoted wont work once the issue is caught. 

Hey Santosh,As of right now you're extremely exposed regarding insurance and I'm going to assume legally as well.If the home isn't registered as a legal multi-family with the town that's something you'll have to correct ASAP and make sure the home is up to code.Insurance wise as soon as they find out what you're doing they'll cancel you as the risk has changed from a single family owner occupied home to a multi family owner occupied home.

Make sure any renovations comply with local regulations and obtain the necessary permits if plumbing changes are involved.

How do you prove the change?

Address changesPassport changes Name changes via marriageOther ownership changesWhat's the big deal?

I personally have not experienced any government change that has ruined a deal for me.But fear not!

Don't rely on what anyone on BP is going to tell you, because things change.