The key here is to designate in your lease the order in which monies received will be applied, in this case to utility bills first, rent last.

If I know from the start that I can't get the addition all the way through permitting and inspection, I'll just specify tearing it down to begin with and save $5-10k in fees to redo the drawings and go through Urban Design approvals again to come to the same conclusion.   

Bigger Pockets has a forum designed just for this type of a question under "Finance, Tax, and Legal". 

That sounds like a potential road block or at least a pain.While waterfront property is the most desirable, I'd be very nervous about starting a spec house that likely won't be complete for 2+ years (after approvals, design, etc.).

@Josiah SiaIt can be done I've been able to pull it off a few times, but like many others have said it really is best designed for cash paid deals for a number of reasons.With that said don't be discouraged if your not in a position to pay cash give it a shot.

@Anthony Porembski Whether it’s classified as commercial or residential will depend on how the municipality has it designated.

Aweber has more templates than MailChimp but MailChimp offers more options when it comes to designing emails.

Quick tid bit: based on the NEC ntl electrical code NFPA 70 KnT was allowed at the time I was practicing but rarely if ever used residentially due to cost and installation overhead, you see it everyday however in the design of power transfer lines that criss cross the country.

It is designed as a fourplex but has the designs drawn to turn into a large duplex.

What I bring is 18+ years of interior design and construction project management experience.