If you have the flexibility at this point in your life to house hack you should definitely take it!

Doing this like a brrrr I see as the best bet, for example my property does still have room for improvement adding a bedroom and bath to the primary structure and then the ADU.

It is meant to be general and flexible.

But the flexibility of your schedule, no boss or direct customers, and potential for a great year, and realistic expectation that you set make it all doable.   

If you would be interested let’s connect I have a lender recommendation that would be able to fund this deal with flexible terms and quick closing.

The safest bet is to try to get a variance from Union City. though clever, your combined unit lease agreement would likely cause trouble if ever scrutinized by the Tenants or the municipality. 

Your standards can be even tighter based on bedroom size, flexible space, plumbing capacity, and other factors.Check out the Keating Memo from HUD to learn more: https://www.hud.gov/sites/documents/DOC_7780.PDF

Sure, private lenders can often be a great solution for overcoming these challenges since they offer: Flexible Terms: Private lenders are more flexible with loan terms compared to traditional banks.

I think the outskirts are you best bets!

I heard eXp provides flexibility for brokers that are working part time.