Just realize that at the end of the day it is the Inspector's name on the line if something were to happen, so it is not a surprise when Inspectors want everything opened up to see what is behind the drywall.3) IMHO, the ideal option would be for you to get permits for an expansion and bring everything up to code using those permits.4) Lastly, if your ground floor unit is vacant, I would recommend keeping it that way.

Send emails, call brokers, check social media and see who the bigger players are.

So the basement ADU brings in plenty of revenue to make the upstairs owners mortgage liability equal to that of a small townhome. 

But each bank/loan program has their own requirements so you should also double check with whatever loan officer is submitting her application.

It seems like loan products for investors have higher interest, so any advice on how get the best rates, ie which banks/lenders?

It feels so easy and like a dream!

This is my first post and I call it first step to success!!  

Thank you so much.

Your journey so far sounds impressive - developing strong analysis skills, building relationships with brokers and industry experts, and even securing potential sponsors is no small feat.

A lot of the projects that are going on here aren't finished yet and new projects and developments are popping up all the time. 80 people are moving here every single week and 80 homes aren't being built, so demand is rising!