I think the $10m goal is distracting from my main curiosity on whether there were specific ways in, in my situation.

The rest is mainly 401k. 

Floor is just painted concrete, and that includes the 300sf which the county assessor counts as fully finished.I'm reading that DSCR rent appraisers may not count partially finished space at all, and count fully finished basement space at only 25% of the rent of main floor space in the same house.What are your thoughts--is this how it typically is for DSCR rent appraisals?

Mainly because FHA has a “self-sufficient” rule when purchasing a 3-4 unit property.

Hi Quynh, the main questions you'll want to find out as you look for a loan on this property are:Does this property need rehab, are you looking for a bridge loan to secure it quickly, or are you looking to hold this as a long-term rental?

I feel that for a single person or a couple, this would not be a dealbreaker as one room could be used as the main bedroom and one as an office/personal space.

This leads to the main point of this post which I hope results in hearing other's point of views on the subject.  

The main issue is that we need more space than what we currently have.

This structural connection between the ADU and the main house typically requires engineering calculations to ensure proper load distribution and structural integrity.2. 

The main draw was the elimination of the ACH fees that tenants pay and FastPay rent payments.