Ronald Rohde   It does exist. 

@Jay Hinrichs anything with QCDs and Reverse Mortgages?

In hindsight, this probably wasn't the right way to look at this, but we were counting on the cash flow from the rentals to offset some of the mortgage payments on our current home.

If it was mortgages or low interest loans could be different.

Many prospective buyers don’t want to pay large mortgage payments on a home listed at market value and they know enough about home renovations that they can rehab it themselves and have exactly what they want in a home and can have a small payment on it if it is purchased this way. 

Ideally tho it good to have at least 6 months of reserves in terms of overall mortgage payments.

@Brandon JaThere is not one but what you could track is the 10 year treasury https://www.mortgagenewsdaily.com/mortgage-rates/30yr-treasuries

@Dave Harlan They have an amazing product but your better off using a mortgage broker with a great reputation for customer service because they offer wholesale pricing advantages to their brokers and the only complaints I've ever heard about them have come from service issues on the retail side.

In general they will add the ADU only if it is existing living space such as workshop, bunk house, office, etc.  

If you don't have much money, then invest your time and energy.Putting a second mortgage on your home to buy a turnkey property is a horrible idea.