I'll offer a slight variation on the answers to-date.   

There are tons of articles on net which list the states (with some variation) such as this for example: TexasIndianaColoradoAlabamaArizonaFloridaIllinoisPennsylvaniaOhioGeorgiaKentuckyThe common theme is that these states are most protective from law perspective and have other landlord advantages with respect to:Eviction ProcessLandlord & Tenant RightsRent ControlRegistration & LicensesTax & Insurance RatesCompetitionWhat do you say?

There is so much variation from neighborhood to neighborhood and even street to street.

By that thinking, a better algorithm could help solve for discrepancies in the variations of appraised values.

Even if you have a "good contractor," they will need to educated on the 203k guidelines, paperwork, processes, timelines, rules, payment structure, variation of the 203k, etc.

I have called several local banks (I still have more to call just have been at work and not been able to call all of them yet) but the several I have talked to so far have offered me a variation of 20 yr fixed for 5 years then adjusts every 5 years or 20 yr fixed for 5 years and then can adjust up or down every year for the term of the loan.

The ADU program allows you to add a unit by right instead of going through the entire zoning variation process.

Most States have variations of Horizontal Property Regime Acts (older communities), Condominium or Homeowner Association Acts (newer), and Uniform Common Interest Community Acts (newest).

Its a non-conforming loan so there will be slight variations in terms and conditions between lenders. 

I understand there are seasonal variations in the real estate and rental markets, but I've always found Spring one of the easiest times to fill vacancies.