The more efficient solution might be to purchase from Grandma with the 25% down..you ca use the income to help qualify and obtain gift funds or other sources for the down payment.

While this is in another state, it should translate.I just bought a house in Florida and it has a detached garage that was converted to an efficiency apartment.

I love helping people and truly do enjoy my job, but I am already at a young age topped out for compensation and in this field with insurance reimbursement structure the way it is, I am likely to not move up much at all in the future unfortunately.I have always loved personal finance and after accruing ungodly amounts of student loans and navigating paying them off all while efficiently investing in the stock market as well as now real estate I have not only realized how strong my interests are in this area but also my personal skills align in financial planning and personal finance.

Age of construction may not be a huge issue if it has good bones and can benefit from a fairly cost efficient "In & Out" remodel.What is stopping you down payment?

My preference is to actually have to separated as cost efficiently as possible, but also wouldnt mind the ADU and main house shared meters as this would save me costs on my initial construction. 

If you'd like a vastly more efficient process to secure financing, my information is below.

This rapid transaction showcased our efficient investment strategy and ability to deliver profitable outcomes swiftly.

This rapid transaction showcased our efficient investment strategy and ability to deliver profitable outcomes swiftly.

This approach allowed us to proceed quickly and efficiently, ensuring the project stayed on track.

This approach allowed us to proceed quickly and efficiently, ensuring the project stayed on track.