NOT a big bank they will say no.. my community bank has done these for me for years and the  rates are ( for me at least) basically maybe 1 point over what they do for MF or other commercial loans.. its a relationship transaction I have found. 

Chris is spot on here, the new law is going to be in effect from Friday first of November.

I've come across agencies advertising on Facebook and Instagram that offer very cost-effective designs.

This partnership not only facilitates quicker transactions but also contributes to long-term growth and profitability.

- **Stay Engaged**: Keep the lines of communication open and express your continued interest in the property, even if he needs time to think it over.By approaching the seller with empathy, clear benefits, and a willingness to listen, you can effectively plant the idea of seller financing and potentially create a mutually beneficial arrangement.

Plan: With the ADU income, your effective housing cost could drop below 30% of your income.

But I'm hopeful that it's one leg of the stool for me that kicks in some business, and while it's not great math, I'm glad that I have already had the cost covered by transactions from leads.

Not 100% effective but helps

Obviously would change from person to person, but I'm curious what people have used before that has been effective for both parties. 

If talking to more builders does not work out to join you on transaction #1+ and you have enough capital and heavy rehab experience along with a GC / builder doing the project many lenders out there will offer you a lower leverage loan for your first project on your own.  60% finished value and 75% LTC is probably achievable without a builder in your company for the loan.