It's been my experience that the additional reward doesn't outweigh the additional work.

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

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

Solo 401k requires self employment with no full time employees other than you and a spouse.  

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.  

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

Coz Strongsville has good schools, but less employers. 

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

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.