Can you provide an address where you believe a refi appraisal valued a single ADU addition at the same cost as the hands off addition.  

Plus, if you are using a broker their broker fees will typically be an additional 1-2 points.

As a self-employed 1099 individual, your best route is most likely DSCR.

I'm also in Buffalo and have a couple properties that used to have additional structures on them.

Staying local would make capital the limiting factor where my restrictions out of state would be additional research.

Part of the reason I threw myself into work and used to work 60-80 hours per week until I was let go last year when a new Upper Management came on board and started replacing managers with personnel from his previous employer.

STR, MTR, it doesn't matter, you can't house people there and would be in a severe insurance liability if something were to happen in an unpermitted addition or renovation.If it was permitted, you would use Furnished Finder for MTR.

And I'm open to your comments, so please comment:)The SCS wants a wetland delineation and NPDES permit in addition to the normal E&S plan and stormwater controls.

We will able to make light to medium renovations and have additional team  members available for more complex renovations

It's worth reaching out to Corporate Housing Groups (most HR Departments at large employers have this division as well as Relocation Companies that you can find via an internet search) to offer your property as a 30-day furnished rental.