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I've always wondered what would happen if you simply ignored zoning laws in construction, assuming you could exceed the legitimate safety requirements and use modern technology (modular construction, etc.) to do it quickly (weeks) and fund everything from cash vs. bank finance. Would SFPD actually send armed police to intervene (on camera, livestreamed...) or just a bunch of stupid civil actions?

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They don't even have to use cops. They are able to let you lose your cash. They can prevent you from selling the apartments by refusing to issue titles to buyers. They can stop you from connecting to city-owned utilities. They can write you a big ticket for zoning violation and put a lien on your land title if you don't pay the fine.

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