All Forum Posts by: Jason Crowe

Structurally how could you connect a detached garage with a mother suite to single family structure in front to mitigate the additional interest rate due to the type of loan you have to have given this situation.

Creating a breezeway to connect the two if touching does that suffice given fannie guidelines? If considered completely seperate?

Break away given it is block walls wouldn't be the best solution given the costs. Engineered spaced holes would be more cost economical.  Have an engineer/architect looking into it now.

Flood Mitigation Structural Adjustment

The house is in a flood AE zone.  The bottom half can be engineered someway to allow water flow and the back unit would be eligible to not have to have insurance or in a loan situation premium to be alot more reasonable.

also what i read from fema that the only reason why they determine base flood elevation of where its at is due to water not able to flow through walls of garage.  Wanted to know what could be done as at least insurance would be way cheaper.

thank you.  so what did your engineer do?  Do you have a loan on that property im assuming?  But if you are out of the flood plain and above what municipal or ordinances require do you still have to have the insurance per mortgagor?  I thought this may alleviate that requirement.

what can you do with a detached garage with a living space up top to avoid flood insurance given the garage is below. How do you make is flood proof as they say in FEMA to not need flood insurance. Its a brick garage not going anywhere but has three walls and a garage door. What is the best and most cost economical solution?

Can I find a mortgage officer who actually knows how this works and renovation loans? I find many that say they know but then really do not or they don't do them or know how they work. In addition the designation of ADU and how it works.

Please let me know asap as I need someone who knows what their talking about and if an adu can be seperate from the the other structure detached that is.  Please contact me send me a message.

A property that I am considering moving into has a detached mother in law suite above garage. What lenders consider this as an ADU and not separate units for fannie mae guidelines. Please get back to me when you can. Thank you.

I need a lender who understands th guidelines and considers these detach units as ADU and not multiple units. The appraiser sites says zoned for multifamily but this is not what it is used for or what how I am qualifying.

Need references for raising foundation level of a 1100 square foot home frame built in 1900s.  What did you use to raise your foundation and who would be your suggestion to use for this?