Also, similar is the military community.

I have reached out to credit unions, "quick" close FHA companies and I am waiting to hear back. 

You don't want to narrow your buyer pool when you sell your house in future just because they might don't want the ADU but decent size backyard is always good and has its potential.If I were you, I would rather try to find deal in hayward/union city/san leandro single family house.

Wondering  if I should reach out to local credit unions or maybe a mortgage broker?

Local credit unions or banks could provide funding that is more suited to your requirements and have a greater grasp of the community.Understand the local construction codes, zoning laws, and any other rules that can affect your ability to make improvements or rent out the property.Make sure your escape plan is well-defined.

Hi,I’m active duty military moving to Yuma, AZ looking to buy a primary residence(3 or 4bd/2ba) that I will convert to a rental property after one year of living in it.

Ridge Lending All in One, first position HELOCAmericafirst 80% LTV on noo 65% LTV UtahArvest Bank AR, OK, AL, MOBank of the westBB&T will loan on a rental portfolio, tooBBVA CompassBoeing employee credit unionCalifornia: Cal Coast Credit Union and Fremont Bank.Citizens first position HELOCCMG a financial 70% LTVEast West Bank, up to 60% LTV with "no docs”Figure 80% on a rental, not in LLCFirst Florida Credit Union https://firstflorida.cumortgagecenter.comGreat Lakes Credit UnionHSBC 70%, for premier clients onlyHuntington 75% LTVHurst Lending and Insurance Investment property HELOC in Texas.

Best Asian Fusion in Union City.

I called a bunch of banks and credit unions looking for info.

Just retired from the military after 24 years.