So that rules out areas like City Heights / Skyline / etc.4) Parking - make sure you scope out the parking situation before you buy.

I have worked with many people in your situation.  

Best bet is likely (not absolute - everyone's situation is different) is to look at a national lender or broker that has options in lots of states - its a great development versus 20 odd years ago, with technology, internet, places like this - can have access to many more options than before (local broker or lender thats it)

I would love to hop on a call soon and discuss potential ways of collaborating or creating a win/win situation! 

I'm not very familiar with these markets but I've found Columbus has great tenant quality on average, less property crime, and great appreciation potential.Any market can offer killer cash flow with those lower purchase prices, but in my experience, you're more likely to run into challenging tenant situations and higher maintenance costs that eat into those returns.

With permit, benefits are 1) get depreciation and other tax write off benefits since it’s a permitted investment purpose ADU, 2) probably better for resell value, 3) have a separate address and don’t have to bother sorting out mails for our legal tenant, etc. without permit; benefits are 1) no hassle to get the permit, 2) no permit fees, 3) no tax on rental income (as it is more like a “roommate”)Has anyone gone through a similar situation before?

This is an important point and I have been in similar situations when we have moved into new counties (I am a PM so manage in about 8 different counties). 

Stanley - I would suggest that you go have 3-5 conversations with lenders and understand how much they are willing to lend to you given your financial situation.

It just so happens that a situation came up with family to do a private loan that will work for me at this time so I've paused working with Sal at the moment. 

That's why the personal connection with the verbal deal and personal reputation on the line matters for me in classifying as a PML situation.