I didn't read thru all the posts to know if this was already answered- but in VA (particularly Richmond and Virginia Beach areas) you can write or call: Tho the state is lenient, some cities require more or restrict it. (Norfolk city is restricted from home bakeries)
Department of Agriculture & Consumer Services
Division of Animal and Food Industry Services
Office of Dairy & Foods
P.O. Box 1163 Richmond, Va 23218
Phone # 800-552-9963 or Fax 804-371-7792
If you are in VA Beach- you can drop by:
VDACS- Office of Food Safety
ATTN: Rick Barham
1444 Diamond Springs Road
Virginia Beach, VA 23455-3363
I didn't see where you can't use cream cheese- It says they prefer seperate refrigeration, but to use the family one, just designate a "cake item" area or even use a rubbermaid tub.
Pets are OK- but can't be in immediate area during food prep.