The project was to remodel the house and turn the detached garage into an accessory dwelling unit and then sell it.

For the most part, the most common scenario is using them as an accessory dwelling - usually "under the radar".

If MFH is not allowed, see what the zoning permits for accessory buildings, mother-in-law suites, etc..anything else that could get you more income.Follow what @Greg Dickerson said to figure out what you can afford.

Even a google search shows that the non slip material is an accessory and purchase and added onto a bath tub but they do not come from manufacturer with it.  

It's no secret that one of the biggest obstacles to building Accessory Dwelling Units can be financing.

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I also placed a second Internet order for accessories, also in stock.

Typically, what you are calling a "workshop / liveable space" is known as an accessory unit.

I have already built a smaller accessory unit on the property.  

It's considered an accessory use to your primary residence, but when you move out -- again, technically, you're only allowed to rent the whole space to one party.)