[looneybin]

as an architect, i can't tell people to do work without a permit, technically you would need a plumbing and electrical permit, & maybe building if you are moving any bearing walls BUT!!!!! that being said, It's just a way for the city to impose a TAX on you for improving your home.
Make sure your electrician & plumber are LICENSED and know you won't be pulling permits, sometimes they will give you a break on the price because they don't have to deal with inspectors, but you are at the peril if anything goes wrong, or if the city finds out & red tags you, then you would be hit with penalties & fines... so go for it, but i didn't tell you that, right