You'll want to compare offers from different lenders before you settle on an SBA loan offer.

The $20,000 would be for a pre-designed building footprint. 

I didn’t have a pre-approval amount per se, I just knew that I didn’t have to worry about funding for anything under maybe half a million and my typical purchase and rehab was in the 150 to 250 range.

I have spent the last few years working in the Pre-Fab ADU space and now working with a company called Live Near Friends and help people buy real estate with the purpose of living closer to the people they care about. 

Still, you may not have to submit your tax returns. more info would be needed to know for sure, reach out to a seasoned loan officer for pre-approval and see if your situation would allow for this. 

Best Value adds are:Updated kitchen, updated bathrooms, cosmetic remodels.Additional bathrooms - finished basement spaces, in unit washer dryer, central air, additions/alterations.All of those are useless though if your roof is 30 years old, your mechanicals are from pre 1950's, and your home is in dire need to be renovated "behind the walls"Otherwise the above will increase your value but you will be left with Lipstick on a Pig

I will say anyone offering this should be giving you all the pros and risks of the flint marketplace.

This group is an incredible collection of midterm rental hosts who support one another by offering advice and suggestions, being a sounding board for each other, offering mentorship and collaboration opportunities and share our respective networks.

Thankfully we are commercial bank clients so our rates are as low as you can get in the market place for anyone who is not Lennar or DR horton or those types.Do you pre-sell houses without hedging a percentage of the supply?  

@Shannon Strickland offered some great advice.