You might spend a little more on the design but in the long run is worth it. 

The land is in a very non-desirable area pretty much in the middle of no where so I would assume the cost of the land is low but don’t know how the ROI would be after you had the infrastructure up and running.

With conventional financing becoming more restrictive, real estate investors may turn to hard money loans for acquisitions and rehab projects.

I'm a broken record at this point but most of the cost of those coaching upsells are just grossly inflated and half the time you're left on your own after you pay the money.

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I work a lot with investors outside of the US from a tax perspective but from a mortgage perspective, as mentioned above hard money or DSCR is probably your best bet.

The ADU would be utilized as a short term vacation rental. 

Then keep the speed of money & time moving to make more money in the end.

Your Position: You are the buyer, and you control where you invest your time and money.

You’re afraid of losing money month to month.