Without a job, no money to invest.These are great suggestions Caleb, much appreciated! 

Dmitriy, THANK YOU, THANK YOU, THANK YOU for responding to my question and for suggesting some banks! 

What do you suggest?

If you're looking for appraisal value an ADU may not be the best bet, but if you intend to sell, my anecdotal evidence suggests in dense highly desirable neighborhoods, ADU square footage will gross the same as the main house.

If I understand correctly, you're suggesting that we should focus on the big picture rather than getting caught up in minor details?.

Has anyone ever heard of this or do you have any suggestions for a new MLO with no experience?

What are my options, or do you have any input or suggestions? 

That's why I suggested putting $10K down, which is like going on a 2 week vacation.

Outside of that, my suggestion is to do something really hard and/or interesting.

There is an investor meeting there called RIG and I suggest going to it.. you could meet some of the locals..