There is normally a "Senior" Building Official/Inspector person who has like 50 years experience at the city permitting and will know or direct you. - How do I develop with the potential to subdivide to separate single family home lots?

These scammers take advantage of naive seniors to make a profit.

Yes, definitely at the mid to senior Leadership levels.  

Seniors, which is where a lot of these folks live in condos, have not been able to put enough away for retirement and now cannot afford the astronomical HOA fees due to a huge hike in insurance premiums that these buildings now have to find, especially since the terrible incident in Surfside.

I bank with Citizens and they froze my checking and my HELOC for over a month now after drafting a check from the HELOC for a closing.

People, seniors in particular, will not be able to afford the increasing HOAs and assessments, as insurance premiums are going through the roof.

What about city tax and water liens that I believe are in a senior position to the first lender.

If you are paying interest only expect to pay them 10-12%+ since they will be in second position senior to bank loans2.

Quote from @Leshawn Branch: I’m 22y/o and a senior at Drexel University in Philadelphia.

Here's the breakdown of the original 2023-2025 program budget:  $50 million to support housing rehabilitation grants or loans $275 million for Residential Housing Infrastructure loans $100 million for Main Street Housing Rehabilitation loans $100 million for Commercial-to-Housing Conversion loansSenate Bill 180 (SB180) successfully advocated for the $525 Million WHEDA loan program to invest in workforce and senior housing.