The guidelines for ADUs will vary from lender to lender, but there are options for those, yes.  

Close fast, stay in comfortable LTV positions is the name of the game.

Skin in the game.

The tenant’s contribution to owner will vary as their income shifts.  

New to the real estate investing game!

I agree with number 3 the most, as most of us who have been in the game for over 30 years will all say we shouldn't have sold so much.

What are some of the key factors you think influence these varying markets across Texas?

The shape of the properties varies.

If you told him you have been playing pickup games for the past year and need help improving your jump shot, now he has evidence you're motivated and a specific goal he can quickly help you work towards.

State costs vary, but more or less should be +/- $750-1000 to get obtain your NMLS mortgage license (with courses) and most states permit dual licensing in which brokers can be legally compensated on both sides of a transaction.I'd be very cautious about performing dual capacities in any single transaction for two reasons: 1.