That is why I have joined Bigger Pockets—to connect with creative problem-solvers and learn from other investor's experiences.

However, they do mention, ad-nauseum, that you if you get a little creative, like adding a room to existing square footage, MTR-ing or STR-ing the property...then yes, you could find cash flowing properties.

From my own basic research it appears that many of the ADU companies have lenders they work with, but I don’t know that those would be the more creative or favorable terms out there.

I have used most of my traditional financing cap with earlier purchases so now I'm using creative financing like seller financing and sub-to purchases to keep growing my portfolio.I'm currently focusing in Tennessee on homes under $500,000.

Get creative, ask for a lot of Seller financing deals, etc.

Like others said I am not a lender BUT I have seen people get creative with situations like this with DSCR loans and other types of loans.

While some lenders can get creative with income and/or don't require personal income underwriting, DSCR lending programs technically only apply to SFR 1-4 units and small multifamily (usually to 10 units). 

Looking to see if anyone here teaches any courses or knows of anything to learn creative financing.

There are ways around it though like everything else, just need to get creative ;) 

I realized really quickly while browsing the likes of Zillow that there aren’t simple turnkey 20-25% down properties and will need to be creative with a solution.