Dumb Housing Regulations in the USA

Discussion Greater Forumosa
1

I was looking to purchase a 4 bed, 2 bath house. The master, which I would occupy, is on the ground floor with its own bath.

There are three bedrooms and one bath on the third (top) floor. I would like to rent all three out, except for the fact that three people sharing one bath is a bit much.

So the plan is to build an extra bathroom on the second floor deck. If I can build an extra bathroom, then I could rent out the three rooms, and I would only have to put 5% down. On the other hand, if I can only rent out two rooms, then I’d have to put 20% down.

I have to get a permit from the county to build on the deck. It should be pretty easy; regulations say you can’t build a hot tub but nothing about a bathroom.

But then you’d need HOA approval, and to get that you need the county permit first, plus approval from your neighbors. And you can’t get a permit until after you own the home.

So with approval uncertain, I don’t know how much to put down.

House was sold before I could make a decision.

2

So it sounds like like you can get away with 5% if rent 3, and need 20% down if only rent 2. You want to build a bathroom (good idea) because 3 rooms sharing o e is icky and inconvenient. Which is true but I don’t see that being the banks concern. You tell the bank whatever, get the 5% and figure out the permit thing later.

But hot tubs are in the regulations? Is this in Taiwan? Or a strata type thing? I’ve never seen hot tubs be on government building code related radars ever in Taiwan.

3

This is in the USA.

4

Sounds like it’s in Northern Virginia or Maryland or, god forbid, D.C. If so then yes the USA - but just barely.

5

You are correct

6

Virginia >>> Maryland. In Virginia, you don’t need a reason to evict someone, it’s your property.