If you ask the manager to justify a fee and he starts hemming and hawing, move on or require them to remove the fee.

This loan doesn't require any certain length of ownership seasoning or equity. 

This could save you money in the long run, but requires a bigger initial investment.To help you decide, consider these:What's your current budget?

By tackling them early on, you minimize the risk of missing critical dates.In my experience, closing a deal within a specific timeframe requires meticulous planning.

While downpayment requirements are higher, still a great option. 

Do DSCR loans qualify if purchasing through 1031 w/debt-carry-forward requirements?

If you are trying to come up with a way to finagle the occupancy requirements while using an amazing loan (that you earned based on your service) like a VA, I would say you are starting off on the wrong foot.

I was aware of the egress requirement, but was not considering the door size or ceiling heights.

The bay area has many old houses so be aware of what it will take to being them up to code and meet insurance requirements.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.