This is not too much on labor, for the size of house and everything that was done which you stated above (excluding landscape and ADU).

Most commercial lenders 99.99% require you to own and have operated a commercial business or 2-3 investment homes prior to a commercial loan of that size.

Backstory:We rent the ADU out regularly via STR or MTR and live in the main house currently and are looking to size up.

I found it really time consuming to measure for every single repair in a house so automated calcs as much as I could based on room sizes.  

The size of the unit was perfect for Airbnb or travel nurse mid-term rental.

Rentals create cash flow, and that's what we want as real estate investors, but you need cash on hand for unforeseen circumstances.The AC needs to be replaced, that's $7K to $10K or more depending on the size of the house and if you have one rental, it will eat all your cash flow, same to replace a roof, etc, or if tenant trash the home, you need money to fix it again.To me personally a nice rental portfolio that is healthy consists about 10 units, so if you have an issue with a house the portfolio can cover the repairs and still healthy, but when starting you need to have cash on hand just in caseYes, there are multiple strategies you can use to hack your way to buy your first rental with minimum cash, but I would start wholesaling or fix and flip a few deals to create that cash as fast as possible

With that, yeah $20 per mnth per door, it's a bit expensive but you are at a rather small size and positioning not for this size but growth, growing ain't cheap right. 

ThanksSandeep Hey Sandeep, Depending on your FICO, DSCR ratio, loan amount size, and property location, you could get a much more favorable rate at a similar LTV and term 

I have a bunch of friends who own houses in the Poconos of all different shapes and sizes, and no one is profitable anymore.There’s just too much  oversaturation of the Poconos market.

If you have a decent sized lot, you may want to check and see if your municipality allows for building ADUs.