It's only natural to pass these costs on to the consumer, it's the same thing with almost every other product you buy.

@Kyle MasonTo increase your loan amount, consider strategies like increasing rental income, co-signing with a co-signer, using portfolio loans, negotiating seller financing, down payment assistance programs, paying down debt, and considering alternative loan products like DSCR loans, non-QM loans, and bridge loans.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

I read city code in my spare time and do a ton of product research.

From their point of view, you are ruining someone's vacation, and can't be trusted to supply a good product (your property). 

Most markets have slowed down in the past year.

If anyone has any recommendations for me on what products I should look at and where I should buy for bulk prices let me know. 

What are you hoping to accomplish with either product?

Depending on the lender and the product if it is non-comforming you may not need to wait that time and you may not receive a LE or CD, but still most lenders will have it as a standard practice to be safe.

Right now I am dealing with a DSCR lender that switched my client's product to a Bridge loan and gave him a very hard time when he asked for a copy of the appraisal.