So, depending on the type of report and level of detail you may be able to investigate that.

 @Sri Reddy it all depends on your goals.

Expect a custom ADU to take 9–18 months, with 3–6 months for design and permitting and 6–12 months for construction, depending on complexity and contractor availability, and the speed of processing permits.

Obviously it's a bigger win for them but it depends on what your goals are.

I think it will also depends on state laws and a lot of information not present but the HOA rules and insurances are two different things.

This would depend on whether your property is overvalued by the tax assessor and in turn you are paying additional taxes on that additional valuation.

While this is municipality dependent, if the contractor is not licensed you likely cannot obtain the necessary permits and approvals.

That will be an important piece to this depending on how you plan to source your capital.

Whether the lender decides to do anything, and exactly what they decide to do depends on the lenders particular strategy, target ROI, risk tolerance, current interest rates, interest rate of subject mortgage loan, etc. 

Hi Paul, it all depends on your comfort level.