I suspect even if the existing use is grandfathered in your request to expand the footprint will be denied. 

This is the simplest method, but it also means your tenants are more likely to abuse the utilities by leaving windows open with the heat or A/C running, leaving lights on, ignoring the toilet that constantly flushes on its own, etc.3.

@Derrick Dill thank you for replying.I will narrow it down by saying what I'm not looking for, maybe it will be easy, also I'm denying other opportunities that might be better for beginners.

4.7.20 @ 2 pm -- "Liquidity facility" request denied.

Conventional financing also requires deep probing into one's finances and may deny the loan, even when someone has enough cash to purchase the property just because their income is too low and their DTI is too high (i.e. people who invest but already have mortgages in their name).

But when they deny a deal or advise against a deal remember this because a lot of times it leads to frustration and the feeling that the lender is trying to get in the way of your success.

Most people that live in Union City and commute into Manhattan generally take the bus across the Lincoln Tunnel, or you can also take a bus to Journal Square and take the PATH in (this is also true of Jersey City heights).

As for @Kevin Whisler and his projected cash flow estimate, I suspect he has done this as long as Dennis or me.The reason I am not as convinced as Denis about it being a horrible use of money is that due to long term historic appreciation (market and rent) there is a chance this out performs some other investment opportunities.  

B of A denied a loan modification.

I didn't think it relevant information for my initial post, but my realtor did say multiple times it's not right to deny an inspection, and I should probably avoid this deal all together.