What's more, there's a lot of variation in the fixtures and other bells and whistles (like you might see in the luxury market in the US), so prices are all over.    

I was made to think "if you've put this much time, money, and effort into perfecting the development of secondary suites into SFR's, why would you move your focus onto another strategy?"

National banks typically do not offer products that suite your needs here. 2.

Seems like they suit you just fine from what you said.  

Like someone else said better to buy land that is already suited for use. 

And of course other states are following suit.. 

Your are Singe and have the luxury to be able to work Remote!

I double checked and these layouts do have two exit doors for both primary and the next gen suite as well.

My specialty as an example is working with investors looking to build portfolios of Short Term Rental/ luxury vacation properties all across the US.  90% of my clients use the 10% down second home occupancy loan.  

Do some research to figure out what type of property—long-term rental (LTR) or short-term rental (STR)—best suits your goals.