Give me a shout if you have questions, but here's the short of it.Best financing is going to be from a bank or a conventional construction loan.

For the vast majority of Conventional, FHA, and VA mortgages you are only guaranteeing the lender that you'll live in the property as your primary residence for a minimum of 12 months.

Conventional rates start at 5.25% at a 30 year fix.

9) adding multiple ADUs or adding an ADU to a quad looses F/F conventional financing.

Refinances are still active, slim pickings but some players are out there who are direct lenders, flip loans are also available (75-100K) min property other than conventional and gov backed loans.  

If you aren't paying cash and are doing owner occupancy you may be able to use FHA instead of Conventional with a higher down payment. 

You won't be able to use conventional financing and must use a non-recourse loan which typically require 40% down.

You just have to make sure you're using someone that actually knows what they are doing and not someone that throws it to a lender that specializes in Conventional Loans.

I'm feeling most drawn to a buy and hold rental investing strategy and like the idea of the BRRRR strategy in tandem with VA loans, basically refinancing VA loan backed mortgages to conventional loans once there is 20% equity in the home.

Hi Makani,Conventional lenders tend to be stricter about requiring proof of income.