I would contact the state licensing agency and file a complaint.

Oh I wouldn’t even approach them until well after they have discharged from the agency and even then it would probably be through direct mail, instead of a personal phone call.

More accurately if there are 3 possible interpretations, assume an Agency mortgage lender is going to take the least advantageous (for you) and most conservative (for them) interpretation. 

In the process of subdividing the lot….the govt agency approving it will Require the mtg holder of record to sign off/agree, since they are taking away part of their security.  

Depends on the state and what the licencing agencies allow.Not all agents request retainer fees.It really depends on the agent's demand.

I think the actual industry term for these are Agency (conforming) and Non-Agency (non-conforming) loans.I think the title switch scenario would be low risk in a declining interest rate environment because the lender wouldn't want to call the loan and then have to lend out the funds at lower rates.

Hey saw the add for Spencer Vann.Now not to make light of the creator of the robinhood method's prehousing crisis success(this is how he markets to us investors by the way...because he can use our language).But to be fair...the robinhood method or the surplus funds mastery which he talks about in his webinar..isn't real estate(you don't buy or sale or refer or do anything with actual real estate).What you actually do is go to various lost funds places(e.g. claimitexas dot org) and you contact the people telling them they have funds owed to them and that you wanna help them for eventually 40% commission(that's a term usually for the agency side only).Thats great if it's something you enjoy...but for me I enjoy real estate.But that's Spencer Vann..but he sells a boot camp like package at the end of his free seminar.Not for me..but if you love asset recovery go for it.But that's what I got from his free webinar.and that should answer the question.

It really depends on the government organization.We have a good relationship with the agencies and invested over $100mm in this market so they know us and know that we mean well and will improve the area.However, we still had times where permits took too long, supplies were challenging, and labor even more so, etc, etcAs someone said, not recommended for your first deal unless you have a lot of construction experience on your team.The lenders will want a construction guarantee so there is some risk there.Also, not sure I would go through the brain damage for 12 units (depends on how the numbers work out).

To much bureaucracy and approvals from many government agencies.   

@Will Barnard SFR with and ADU is Agency compliant but 2-4s are not.