I was talking with a mortgage broker last week and he was telling me that a co-signer can only be a family member and on a primary residence.

I dont do them often but did one up in Washington state and it was 50% LTV on the primary and then cross collateral on a really cool Ranch in North Central Washington that was free and clear so I got a first on that as a cross.. and I would have loved to own that property :)  @Beth Johnson does a lot of seconds from what I see and like me she knows how to juice the equity portion of the deal..

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

@Jose Ignacio PrietoIf buying as a primary, you need to be able to occupy a unit within 60 days of closing.

I bought my first house 1 year ago as my primary residence.

Annual property tax on it if you are a resident (and its your primary house) is $960.

I live overseas and have been renting my only/primary residence on FF for a couple of years now.

Team - We plan to 'BUILD' an ADU in our backyard needed to know if there are any "Non-Traditional ADU financing options" out there?

Your going to need to show proof of rent payments and/or short term rental income.If your buying a primary 2nd home and intending to use it as an investment property I would strongly refrain from that activity; especially if your posting about it in a public forum ;).Best of luck.

.- Assume - second position HELOAN on primary for full $300k (lots of equity) for 15 years at 9% = $3,050 payment per month.