SLR- ADU+ JADU : not qualified for conventional loan?

[Sarah Wang]

Hello, BiggerPockets family! Here is my first post: 

I live in a SLR 4B3B in Torrance, California, with a 7500sft lot. To make some cash flow, we want to build a 200sft addition to the main house, use that part and one existing bedroom + bath, to make it a 1B1B 450s ft JADU. After that, we want to build another 1000 sft 2B2B ADU, partially converted from the garage. I heard that if there are more than one ADU in a SLR lot, when selling it, the buyer won't be able to get conventional loan. See Fanni Mae's guidelines below:https://selling-guide.fanniema... 

question is, does my case ( ADU + JADU) also count as more than one ADU?

If that is the case, instead of JADU, should I make the addition + existing bedroom an in-law suite? I can put a counter, sink, a plug-in electrical hotplate cooktop there, so it's not a real kitchen. And I put double doors/communicating door (like the hotel rooms) between the in-law suit and my living space. Will that solve the problem?

or, another question is, after 10yrs, when I sell the property, how much would it impact the price if the buyer can't get a conventional loan? My husband thinks it's not a big deal because there are a lot of cash buyers out there, but I want to make the buyer's pool as big as possible. 

Would like to know your thoughts. Thanks!!