To make matters worse, the professional contractor hired 8 years ago to add downstairs kitchen did not get permits for dishwasher, microwave, sink, and stove.

- What’s been your biggest delay lately — materials, permits, or financing?

Or permits on the building.

They just raise the rent.A new occupancy permit will be needed to establish who the new residents are.

The borrowers that I am working with are first time fin and flippers or first time getting a DSCR loan, some of them have ITIN status, work permit, and US citizens.

The permitting in Houston is way easier, inventory is greater and cost to enter the market is better.Ouiiii

Quote from @Matt John: I recently purchased a property in Houston for $100k cash and have secured permits to build a duplex, so the land is shovel-ready.

If it helps, I've inserted a link to Cape Coral's permitting site below where you can check the status of work progress and inspections. 

Depending on where you elect to purchase, permitting can take awhile.

The challenge is that the downstairs tenant currently has exclusive access to both the garage and backyard via their original lease agreement.As a family, we’d need a reliable parking space and a place for our dog to play.After reviewing public records, I saw that the lower unit was permitted in 2011.