I read the passage and it describes my situation perfectly.

Originally posted by @Paul Defngin:@Mack Owens check this out “SERVICING: D1-4.1-02: Allowable Exemptions Due to the Type of Transfer (11/08/2017)This topic contains information on allowable exemptions due to the type of transfer.Unless the previous borrower requests a release of liability, the servicer must process the following exempt transactions without reviewing or approving the terms of the transfer:~ the LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence).Note: The servicer must notify the borrower that a property transferred to an LLC must be transferred back to a natural person prior to any subsequent refinance application in order to meet Fannie Mae’s Selling Guide underwriting requirements.”Paul,Forgive me for my lack of understanding.Is that passage stating that if I were to obtain a conventional/traditional mortgage and transfer the title to an LLC there would be no review of the loan since I would be in control of the LLC?

Lesson: make sure all units are legal and everything is up to current safety codeThis arbitrator's ruling seems crazy considering CA law (SB13) allows 5 years to legalize any safe bootleg units from the initial passage of the law. 

Snohomish county's Receiving area legislation is still about a year out from final passage, although we know what's going to happen in terms of high density upzoning and how TDR credits play a role. 

There are a couple notes from the article that make me think this, but the biggie is this passage halfway down:"The sponsor of the bill said he plans to offer amendments to narrow the bill with less of a focus on people renting second homes and more attention paid to hotels that convert to privately owned units that are taxed as residential but still operate like a hotel.These giant corporate properties that are being misclassified as residential but are being rented out as a hotel.

Homeownership to me is a right of passage, and if they have the ability to buy, more power to them and congratulate them.

Personally I will accept Section 8 tenants if they are legitimately disabled or otherwise unable to provide for themsevlves, but I will not accept tenants who are able but unwilling to work (although with the passage of the HOME Act in both Baltimore County and Annapolis I may  have to reassess that approach).In my experience with Baltimore County's housing department specifically, my biggest complaints are 1) poor response time to emails (calls seem to work better), and 2) their annual inspection process which requires the tenant to wait at the home from 9-5, and strongly encourages the landlord to be there as well.If you are okay with the program from a personal/political perspective, and this specific tenant is clean, responsive, etc. then I wouldn't hesitate to take her on.

Since the passage of the "Affordable Care Act" the cost of health insurance in the private sector is up about seven fold what I paid in 2008.

One of the ADU rules allows unpermitted safe units that existed prior to the bill passage 5 years to get permitted.  

The knobs are what is known as passage knobs (you cannot lock them).