Is there any way to skirt around building permits (loopholes, ect)?

so, are you saying it's against code to make a structure airtight, or with thick walls? not sure where you live, but that would be the least of your problems. first of all, you you have any construction skills? if you did, you would have the skills to build it to code. like footing size, header spans, floor support, electrical, etc, etc. if you did try to build a two story structure, you would be turned in by a vigilant neighbor real fast. if you're the homeowner, you can have rough plans submitted to the city with a weeks worth of research. if you try to build it yourself with little knowledge, you will de-value your property. if cost is not an issue, hire a contractor to draw up plans and submit it to the city. i drew up all my own plans, and got a permit 1 hour after walking into the city offices.