Prefab ADUs come in around $100k but I'm hesitant to take on a lot more debt.

"So this was fairly easy denial"I agree 100%, I would reject without a second of hesitation.

Just curious if anyone has any positive experience I’m interested in free trial but they require CC info and the few who have reviewed it experienced issues canceling membership so I’m hesitant in signing up..

So even hard  money or private lenders wold be hesitant to loan without an appraisal to justify the value. 

The only thing that would make me hesitate is if you wouldn't make money when you moved out, but it looks like you will.

You said that the market in which you are interested has homes which are extremely outdated and have a lot of potential, so if you're attempt to add a lot of value, it may be more worthwhile to apply for something like an FHA 203k loan or (if you or a spouse are military) a VA loan combined with the VA rehab program.If you just get a 0% down loan on an extremely outdated home, you could still be looking at substantial out of pocket repairs (not to mention that many banks are hesitant to loan on homes which need work).

There is a property that required a lot cash to renovate in my area, however, being not experienced in the renovation makes me hesitating to make a move.

If you have any questions don't hesitate to PM me and I'll try to help you the best I can. 

I am aware of the restrictive regulations in the Palm Springs area and therefore hesitant as well.

if you have any other questions, etc that i might be able to help you with, don’t hesitate to ask!