Traditional lending for investors as well as Non-QM for Investor capital with DSCR options as well as 1st Lien HELOCS for investors.

First, it isn’t demanded of non-believers.

Generally, SBA loans can only be used directly for real estate purchases if the loan is being used to purchase a facility for a non-real estate investment business that will owner-occupy at least 51% of the property.

Without responding with respect to your zoning and what is allowed locally, I will discuss what is allowed on state level because i believe it will allow what you seek.In 2025 SB 1211 (Skinner) – Multi-Family goes into effect allows an ADU (I think it specifies detached but question if that is a requirement) for each legal non ADU unit up to 8 units.  

Any list you can pull for a few bucks has already been hammered by hordes of investors before you.Not saying this way can't work, but I recommend a different path...I prefer to focus on sellers who have a reason to sell but who require some effort and skill to identify.My favorites are #TiredLandlords, namely owners who have filed an eviction lawsuit against their non-paying tenants.Many of these folks are through being in the rental business and are open to hearing about a way out.Even better, #TiredLandlords are ideal candidates for seller financing, since they don't need the sale proceeds to buy another house, PLUS they are already conditioned to receiving monthly payments over a period of time.

If you did not use one - unfortunately its an expensive lesson learned that in real estate transactions this is why you use the paid experts.

We have products that offers cash out refinance for primary residence or 75-80% for non primary depending on the property type.

KC appears confusing and requires a local expert to tell you where to buy. 

Yet, both the guest and the host, considered experts, had no problem believing that.Cuba: foreigners can'y own property there, even if they wanted.Venezuela: the last place in the world I would invest but there's a ray of hope with the upcoming elections.

Depending on the amount of months left on the lease, you could add him and if it doesn’t work out, serve a non-renewal notice.