New permit applications have now dropped.  

Only appropriate potted plants and other outdoor furniture are permitted on patios, decks and balconies.

Could we qualify for loan for septic and permits and just live in apt in garage until a much later date for manufactured home.Any thought suggestions or advise would be helpful. 

Unfortunately this was held way too long due to a number of factors, including COVID, city planning and permit delays, delays in construction and materials, and additional delays by city.

Depends on what your state permits.

Ryan offered various reasons for the delays, including difficulties in obtaining permits, scheduling subcontractors, and obtaining supplies; even making allowances for these factors, we found the delays to be extraordinary.While we were pleased with some of the subcontractors (e.g., the roofers, the fireplace repair crew, and the carpet installers), there were numerous instances when Bildwise and its subcontractors did not complete tasks in a workmanlike manner.

I did learn that if you are outside city limits then you don't need a permit for STR.

@James Carlson A Home Occupation Permit application with the city of Denver will automatically grant you a 3rd unrelated resident, but still not enough.

Unfortunately this was held way too long due to a number of factors, including COVID, city planning and permit delays, delays in construction and materials, and additional delays by city.

I assume a permit was pulled?