unfortunately this marketing specialist was NOT a specialist in marketing for real estate businesses, did not understand the unique requirements and characteristics of real estate, and hence implemented their “generic” on line marketing program.  

I generally recommend if you're not going to buy a property in the city/market where you currently live, the next best place to look is where you have family (and presumably a place that you'll visit relatively often and easily).What is your price point and are you looking for turn-key properties or something along the lines of a "fixer upper", assuming you buy in Peoria or a similar priced Midwest market?

If you are in the less common areas where the taxes and ins are increasing by leaps, then the solution is to sell the property and take your equity and buy in an area where the tax/ins increases aren't out of line.

SetbacksSetbacks are the minimum distance the ADU must be from the property lines and it all comes down to the specific zoning you are in.

I recommend lining someone up before you leave for a 1 year term.  

The other contractors that I have worked with gave me a full scope with detailed line items of what will be fixed, how much the labor is and how much the material is going to be.

I cannot assist w/ the acquisition of the property but do have an FHA product that is specific for home improvements.

One said the 2nd mortgage has to be assumable and the other said it did not.VA issued Circular #26­24­17 back in August to try and clear up the issue:Assumability: If the secondary borrowing is not assumable, the holder of the VA guaranteed loan should counsel the assumer that this may restrict their ability to sell the property to another creditworthy assumer through an assumption in the future.The lender currently servicing the loan still can decide whether or not they'll allow the 2nd.You could do seller financing for the gap and then refinance just that amount with a Home Equity Loan or Line of Credit at some point down the road. 

Ken, I would prefer to do that, but I wasn't sure if any banks would offer that type of loan or line of credit.

If there's only 1 meter in the property with multiple tenants, its easier to bake it into the lease amount to avoid headaches down the line.