It is perhaps my favorite meetup that is not associated with a larger group (such as SDRE, NSDRE, SDCRE).For the most part the lenders only lend on non owner occupied ADU, at low percentage of ADU addition costs because they know that usually the value extract will be significantly less than the ADU addition costs.  

If the co borrower is less than 51% owner in the entity, some lenders will require a credit check, but won't use their score unless its less than the minimum qualifying score to get the loan approved.

SBA requires a minimum of 51% owner occupied.  

Secondly I would look into if it make sense using realtor or not, there are markets that it makes sense and there are markets where unless you as the owner are paying agent fee most will pass. 

The checks go to the owners directly, and he has a maintenance person and attorney on speed dial.

Quote from @Nick Grassi:Not sure about Florida, but my experience with solar.. 5 years or more ago, buyers would take over leased panels and not have any issues with getting a solar lease from the owner prior to them.

We can help you with those pain points via virtual assistants and AI for guest communication, which effectively eliminates about 90% of owner required communication.

plus for infrastucture and that is flat NO DIRT being moved just underground and paving . sidewalks go in by each lot owner.  

An investor would typically finance via non-owner occupied conventional at 20% or 25% down @Robin Simon, so DSCR lenders use to underwrite the performance of the property based on the actual room rent?

Too many residential owners don’t do this!