Separate than the "point"? 

The issue I am facing is that the property is zoned for residential use only, and I am interested in renting out both the main house and the pool house as separate units.

It is easier to budget things if the money is separated.

If you decide to do this make sure to plan ahead and track the income and expenses separately for each unit since LTR tax treatment is different than STR. 

Is your water lines separated between each unit?

Ultimately, separate renter's insurance provides better protection, minimizing confusion and ensuring proper coverage for unforeseen circumstances, benefiting both landlords and tenants.

Good evening everyone,how do I separate utilities when I have an ADU that is rented with a fixed utility price?

This is going to be a very tough scenario, I suggest you stop putting money into this deal until you get things sorted on the financing side.I would also be very careful with and sketical about any offers for 100% financing... it will not happen, they are lying 99.99999999999999% of the time.The only realistic way would be for you to find a private investor to come up with the down payment for the mortgage but a down payment will be needed.90% LTC is theoretically possible through a flip loan but in order to reach that level you would need to have a lot of completed projects under your belt over 2 years.20% is possible but with 25% you would have a lot more options.That is part of the issue with this transaction...The other issue is with HOW MANY loans you are seeking...This is not 1 loan because this is not 1 deal...You need 3 loans because you are doing 3 separate transactions at the same time with the same seller.Blanket loans do exist but they are not widely available.Each folio number is a separate deal...

From what I see there are two separate issues that may or may not be solved concurrently.

The key part to my opinion is that you have a single-family home with shared space, as opposed to a duplex or a two-level house which would be two separate "dwelling units."