In Metro Detroit, and I'd think in most Midwest cities, investors really have two options:1) Buy Class B and either put more down to cashflow at closing or deal with 1-3 years of negative cashflow until rents increase.

@Brock Bernall As a rookie House hacking is the best for getting started has the lowest risk and best profit for a low down payment option.

I hurts a lot in my chest when I am shopped or left because I could not provide the best option.

Always evaluate your options based on ROI and the impact on tenants to find the best path forward.Good luck!

Impossible Note due to the worse financing options alone $250k on an ADU would equate to a lot more than $250k on a property.  

If you can't qualify, DSCRs are a good option but I normally advise to stick with a 3-year prepay (or less, depending on pricing).

I wasn't able to find/ see my own reviews as a guest.I use OwnerRez and they have an option to add insurance which I pay for but I bundle into my overall pricing.

They tend to have worked with a lot of PM's in the area and can help you weed out the good and bad options. 

And this leaves you with some interesting options because you can allocate your proceeds any way you want. 

From your options, #1 is a big sink of cash and I can't tell how much that increases you rent. #2 is a no due to cash flow negative. #3 is the way to go.