Unlike your situation, the parcels were always separate from each other, but the sellers loan was collateralized against both the single family home parcel as well as the vacant parcel.

Now the big banks hire trained robots with zero authority of real knowledge.

I've seen 100 different structures. there's bigger players, more capital, a lot depends on the deal, track record, debt amount, returns, pitching to funds is way different. we separate construction financing and long term financing for the clients that build with us and help educate them.

I have a deal in my hands of 7 mobile homes all on separate .25 acre lots and all rented out to long term tenants.

I am considering a property listed at $800,000, which includes a 2-bedroom, 2-bathroom main house (1100 sq/ft) and a separate ADU of the same size.

This is a separate method besides using my WiFi router to monitor how many people may be in the house since we have a "no parties" rule.

However, the septic and wells were located on an adjacent, but separate lot.

If this is a master, and there is another hall bath for kids, I would only keep the tub if there is room for a good sized shower, double vanity, toilet AND separate soaking tub, which it does not appear there is.  

Good thoughts. 1st - I've only found two houses that were like this recently (two fully separate units).

The single person is going through a separation and will be getting a large sum as part of their home sale.