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Applause hey guys we are here at City fix at corporate Plaza gonna get some more information on the new laws that have changed to make a little easier to get some granny flats and additional dwelling units put on your property so let's check it out we've had a lot of success get some really strong we're starting to see a big uptick in the number of these again coming so we're a housing education company that starts on the front end of building an 80-year so essentially what we do is we give homeowners relevant financial or architectural and construction information so they can evaluate the best way to go about maximizing their product so to begin what there's a lot of contextual factors going on right now in housing that make granny flats a great option for homeowners maximizer basically you take the existing house and then you get a contractor and the cost of the renovation into your mortgage so essentially what we do is try to break down the project into actual staff and talk about it in terms of different and really breaking it down step on longer before they begin the way this is designed that's a way for single family households to supplement either their income or their housing and have an additional unit on site so our person is figuring out what your hold for creating how would I do this if I wanted to do some things that we definitely look for our single-family zoning multiple neighborhoods are kind of raped in or rental both revenue better command I ran through neighborhoods and walls few acres in place Arius so there's a Purple's Music thinking about it for family purposes it was so the things you're gonna want to consider our lifestyle choices Universal Design possibly appliances here but really the goal of the objective is is to give you an opportunity to do something on property that you can do otherwise and then come back and save the money on a regular loan when the improvements are Music and we actually have three different types of renovations financing we have renovation lending for veterans which is unique with no limit the amount that people can use to improve the property and then we have government insured renovation which is FHA and the benefit to that is that's the next best low down payment option that people could use to renovate in the last option is conventional financing option Music secondarily there's your expensive square footage so these are your appliances there's also a less-expensive square footage so your living room spaces and your memories your going to qualify for a loan you're gonna figure out how much to improve you're going to add those amounts together and then that's just going to be one month oh yeah and so we just got done with that city fix that was a lot of great options for people who are.