Learn the median home price.

Not sure the type of home, but sometimes you can decline masonry cosmetic coverage that can help with the rate.

Not an easy thing, but saving 20% or more on the cost of a new home seems well worth the time and effort if you ask me.

A majority of people who rent homes here have 100% equity in them so any rent will cash flow. 

It’s a 3 bedroom home, brand new build and just shy of 1500 sq ft.

Fast forward a year later I am at home (Chicago) and find myself in the beautiful suburb of Oak Park.

I would look at the DSCR loan as the first option.By the way, I suspect you are going to be disappointed by any refi appraisals   ADUs typically appraise poorly   JADUs can lower the property value Vs having the space as part of the primary unit.  

It’s not too far from Alabama, and the state has a solid Section 8 infrastructure in place for both single-family homes and duplexes!

Yes there are broker's out there that also don't do good business, but they typically work with clients that do not know any better. 

Do you know how much the typical bills have been in the past?