Something I’ve found is that the 5 unit to 70 unit space isn’t as coveted by many lenders.You’ll see the loans getting great again once you get above 70 units.

@Michael Pursell following up on @Charlie MacPherson good comment you also may want to pay attention to the exact wording of this stuff and how its individually interpreted by the various building departments: Accessory Dwelling Unit, In-Law and other terms may mean something slightly different town by town and be treated differently, likewise if you owner occupy or not. 

Accessory apartments may be allowed, but often come with a requirement that the primary area of the residence is owner occupied.

One thing I will throw out is the new Accessory Dwelling Unit (ADU) Law that was passed in California, allowing you to rent out a 2nd unit even if its only zoned for 1 unit.

In order to access this coveted spot in peoples' minds, you have to be memorable and how do you do that?

Then you can convert an existing structure or add a new Accessory dwelling unit on the property which can be rented for additional cash.All the choices have their pros and cons.

As the lots in this airport community have sold, supply has dwindled and demand has gotten higher for people to move into this coveted neighborhood.

Conventional Manufactured 80% LTV/HCLTV/CLTVFHA VA USDA Manufactured.When a manufactured home has an accessory unit (mother in law, granny unit, guest house, etc...) the accessory unit will disqualify the manufactured home for financing.When a manufactured home is the accessory unit it will disqualify the property (technically Fannie / Freddie will allow, but investors do not).Very important -Accessory units are ONLY allowed/accepted, when the property is officially a "single family" property.

I paid 70k, have 45k going in it and expect to sell it quickly at 249,900.00 because it is in the private beach area which is very coveted over here.

A judge won't be sympathetic because you are an accessory to a crime.