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Generally, homeowners do not need permission to cut down a tree on their own private property, but there are several exceptions where a permit may be required. You might need a permit if the tree is particularly large, old, or a protected species, such as a heritage tree. Trees located near public property or power lines can also be subject to special rules. Additionally, many local governments and homeowners associations (HOAs) have regulations controlling which trees can be removed to manage an area's appearance or prevent the spread of invasive species. To avoid hefty fines, it is crucial to check with your local government and HOA to determine if a permit is needed before you begin.

The fastest ways to remove a tree stump are by grinding it or burning it.

Stump grinding is often the quickest method, with professionals able to chip away a stump and its roots within a single session. You have the option to hire a professional stump removal service or rent a stump grinder to do it yourself. However, it's important to note that these machines can be large, difficult to transport, and dangerous to operate without prior experience. For safety reasons, hiring a local arborist or landscape specialist is often recommended.

Burning is another fast option. Before you begin, check your local burn laws. The process involves drilling holes into the stump, filling them with vegetable oil, and waiting 24 to 48 hours. Afterward, you can add charcoal bricks to the surface and light the fire, which must be attended at all times.

For a more affordable but much slower alternative, you can use potassium nitrate pellets to accelerate the natural decomposition process. This method typically takes four to six months.

It will take you anywhere from 15 minutes to two hours per tree stump to grind and remove the stump from the ground. The larger the size, the longer it will take to remove the stump. Also, keep in mind that rocky soil may require local excavation services to loosen up large boulders before you can begin to remove the tree stump.

Generally speaking, you’ll want to avoid flush cuts, which are cuts made as extremely close to the trunk or main branch. These cuts can weaken your tree, lower its natural defense mechanisms, and even cause decay. You’ll also want to avoid tree topping, which is the total removal of the leader and upper main branches of a tree. 

Most pros will advise against either of these methods, which is why hiring a pro is often the best choice when it comes to tree trimming.