The interesting thing is that outside the GRM parcels consist of larger parcels of primarily RA (Residential Agriculture) that I would think some of which would be prime areas for development.

There are people very successful in RA and those are the people you should listen to.

I was not a fan of the DB/RA set up at all.

https://www.etsy.com/listing/1180679049/short-term-rental-ra... 

PM, RA) in that state, your might not have a successful investment. 

Quote from @Tom R.: A month ago I got a letter that my insurance company Farmers is discontinuing the cover I have but their partner Foremost will pick up my policy and I will be getting a letter from them with the new policy.To no surprise the new policy is more expensive.

Tardus I believe could have some serious issues if they are recommending this.. but then again one of the owners is a lawyer so hopefully she thinks they are OK .. and for sure if they take comp they need to be registered RA broker dealer etc to get comp.

You can act as your own RA, but unless you have an office separate form your home, I probably would just pay someone to do it. 

But to stay in compliance with NYC Department of Buildings (DOB) rules, every detail must be handled precisely.Let’s walk through how it works under DOB’s Technical Policy and Procedure Notice #3/97 (TPPN 3/97), and why having the right professionals on your team is key.C of O Not Required—When You Follow TPPN 3/97TPPN 3/97 allows apartments in multi-family buildings to be legally combined—without triggering a C of O update—if:The overall number of primary living spaces (such as bedrooms, living rooms, dens, etc.) stays the same or decreasesYou don’t alter building egress (staircases, corridors, exits)The work is limited to interior constructionThis provision applies to all multiple dwellings in NYC, including old law, new law, converted, and new code buildings.What You’ll Need to FileArchitectural Drawings from a Registered Architect (RA) or Professional Engineer (PE)Alteration GC Application for general construction items like partition changes or internal stairsAlteration PL Application for plumbing work—particularly when repurposing or capping kitchen fixturesLetter of Completion issued by DOB when the work is signed off, confirming no new or amended C of O is neededTPPN 3/97 Requirements—SimplifiedSame or Adjacent Floors Only: Combinations are limited to apartments located on the same level or directly above/below each other.

She will give you the straight scoop.. instead of the ra ra we can do a loan for you when I know these guys that are posting what their requirements are.