Hi Marciella,
I woud suggest you attend a community meeting. you can look at crimereports.com but you attend one of the local meetings held by the police you can meet the citizens who live in the area and obtain crime stats from MPD.... more
I am guessing the lender is looking to see if the basement is just a finished basement or an acutal separate apartment. If the basement is being used as a separate apartment, the lender will probably not consider the income from the rental unit as part of the analysis of the loan if the unit is not a legal unit. I am a realtor and not a lender so I am not 100 percent sure about a rental unit that does not have a C of O. You really need to talk to a lender about this issue and ask what they are looking for.... more