That's your biggest hurdle.2) Of that remaining 100, on 95 of them the appraisal is going to find some reason to kill it.

Lenders will generally loan up to 4 times a Veteran's available entitlement without a down payment, provided the Veteran is income and credit qualified and the property appraises for the asking price.VA county loan limit: 2016 Loan Limits (Effective January 1, 2016).

The loan is qualified based on the actual or market rents of the property determined by a lease or appraisal.

Currently only 335k left on the loan but the property at the time of refinancing appraised for about 550k.Are there any options for them to utilize equity maybe or some type of loan program that would put a lien on the property to get the issue fixed?

So your investment will be covered by millions and millions of dollars worth of equity based on recent appraisals

Guessing an appraisal would be somewhere around the 100k mark for the property this is all speculation based on comparable properties.

However, in most appraisals I've seen there is more than 2 comparables used, at least 3-4 in my opinion.

The local lender typically lives in the area and understands the market, which could help get you a more competitive interest rate, a timelier appraisal, and result in an overall more streamlined process.

The problem is a house+ ADU does not appraise in comparable sales to a duplex or two houses.

In Texas you have 30 days from when you receive your tax appraisal notification to protest.