Oof, that's tough. as a realtor I'd say you need a CMA from a realtor (or someone with MLS access).

These agents have access to a large inventory of bank-owned properties and can provide valuable insights into the local market.If you follow these steps, you'll be well on your way to successfully fixing and flipping REO properties.

If you plan to live in this new home for only a year, i would consider paying points to buy your rate down as you will not have access to cheaper owner occupied rates if you are planning to move again.You can consider multifamily properties now! 

In the grand scheme, it is a small price for access to capital.

We keep the main house separate by locking the door between the bedroom and our living area, so guests only have access to their room.

If you or anyone here can put close to $500 down and give me a certain percentage on a couple of deals you do I could give you access to the whole program. 

@Andrew MontgomeryNot sure if you can access some of your 401k and roll it into a self directed IRA to start  investing as a passive investor in someone else's deal, to learn while you earn.You are looking at it linearly.

Plenty of lenders have access to this loan but aren't really marketing it as an "ADU Loan". 

A few things you could consider:House Rules: Make sure you have clear, firm house rules for your STR guests regarding noise levels, shared spaces, and respecting the privacy of your LTR tenants.Noise-cancelling measures: You could invest in things like soundproofing the walls or adding landscaping (like thick bushes) along the privacy fence to further dampen any noise between units.Separate Access: If possible, ensure that the STR and LTR tenants have separate entrances or parking areas.

Waterfront properties in neighborhoods like Key Biscayne, Coral Gables, Brickell, and Miami Beach offer stunning views, privacy, and access to the best amenities.