The American way for a majority of us is to spend every penny we make and then some.

I can't tell you how many people from the Bay Area (mostly Asian-Americans) have gotten duped by some of these 'teams.'

Chicago Title or American Title, or CoreLogic probably have data.

Work without permit is impermanent work.Not everybody who put in a 2nd kitchen plans to keep it there permanently especially in a SF without ADUAs eventual resale (afteer moving, died, etc) is expected to be with financing which seems the longtime western standard aka '(north) American Dream' as home prices are widely based on 'the most' much banks will lend out for it, and values for state/county/city tax likewise based on such inflated markets to fatten also those officials' pockets too.Typical response from inspector will be 'obtain permit' for impermanent work as most always even just demolition requires permit - before beginning 'any work'.I remember in NYC, people would replace a simple toilet or sink vanity themselves and neighbors would report them the moment they spotted a DIY project - and city would literally come out and issue violation and 'stop all work order' without even getting inside to see if what the tenants and/or neighbors tattled was actually true.

Lots of Americans and Canadians.

There's a difference.When you say you want to start a title insurance company, are you planning to compete with the existing ones such as First American Title Insurance Company, Fidelity National Title Insurance Company, etc? 

These organizations often have networks of professionals who specialize in working with real estate investors and can provide referrals.Professional directories: Check professional directories such as the American Institute of CPAs (AICPA) or the National Association of Enrolled Agents (NAEA) websites.

I get them for about $200-260/window.IMHO, stay away from American Craftsmen.

Is that an Early American tone of stain I sense?

@Stephen Anthony, call Steve Longo (VP of Commercial Lending) at American Interstate Bank in Elkhorn, NE.