Rent out SFR and ADU out without being owner occupied?

[Stephen Chu]

I live in the Bay Area. I would like to know whether one can buy a SFR zoned as a R1 that also has a ADU in the backyard and rent both out after closing, if it would be problematic from a lending perspective during closing?

Will lender not be able to count the rental income at maybe 75% towards my DTI ratio?

Will I still be required to put down as much as 40% simply because I am not owner occupying it?

Is it even legal to own a SFR but rent both living spaces out to different tenants as a SFR zoned property?