Look up the default risk by credit score, this information is readily available online. 

please send me a case example I'd love to read. that's one appraisal. the knowledge I have as a licensed general contractor working with investors from 5 cities at a time all over the country buidling 3 different floorplans I would say trumps one ADU you read about online 

You can also check their reviews online at Google, Facebook, or Yelp.

His work products and many others can be found with simple google searches for free online.

I've heard some rumors of Airdna skewing data a bit (I've heard this first hand and read online.)

He was a former professor and has online courses that are good to have.

when I used a capital gains calculator online, if I put zero money down and put the 2 loans, the cap gains is a lot lower than if I just recorded 1 loan and entered the money from the downpayment loan under cash.

The online gurus are the worst.

Always validate what you read online, things change, I could be wrong, but use this as a starting point in your research.What Is an ADU?

You should be able to send it to the court clerk with the case number (you should be able to find it online or call the court).