I know that in single families in Cleveland Heights people have put in basement bedrooms with an egress window and they were on formal plans that were submitted to the city and approved. 

@Arianna Farinas- thanks for the post ...I would recommend getting formally pre approved for a hypotehtical duplex purchase  using whatever figures you want to use . 

My second wave is going to be another letter, but more formal. 

It's formal, not even semi-formal.

Is it too formal?

They can be formal meetings in meeting rooms, or fun things such as meeting at a certain spot on the beach in Laguna Beach.When I click on "my discussions," then on a thread in it, It takes me back to the main forum, not back to my discussions."

I can't speak for others, but I have 33 years experience and a formal credit background from 3 of the largest banks in the world.

. :) but you will only know the entire truth when you submit plans for the city planners, engineers etc to check it formally. 

Yes, Michael, I have a large lot corner that cannot be formally split but has a great DADU site. 

If a contract is not 'equitable interest,' then an 'option' isn't either but lease option or lease purchase your house to a buyer and try to 'evict' them without a formal foreclosure in Florida, and watch how fast that story changes and suddenly the tenant has 'equitable interest.'