I have looked into the DSCR loans but you would still need to come in with a large portion of the down payment correct (the remainder of what is under the 75% loan to rental income )correct?

The owner may reside in either the remaining portion of the structure or the newly created junior accessory dwelling unit.

You are not able to choose only the after-tax portion when doing a conversion.

Only a portion of the rent is covered.

Our Private investors will fund the remaining 10% of the purchase price, the first portion of the rehab (to be drawn later from the HML), and the holding costs.

There are properties across multiple-markets out there... which can provide a nice positive cash flow while only using a portion of your available funds.

Conventional loan with a 10% downpayment, used my commission towards closing costs, and had a seller pay a portion of the closing costs.

A few that I've gathered so far:Will a portion of rent go towards down payment?

Conventional loan with a 10% downpayment, used my commission towards closing costs, and had a seller pay a portion of the closing costs.

So while the proper expertise is vital in a successful ADU project... yes, please do question the tiny house start-up companies, or anyone touting themselves as "ADU experts" without the evidence to back that up.