A "miserable corporate job to no where" isn't all that bad - health insurance benefits, 401k matching, probably some sort of discount stock purchase plan, stability, lenders like it.

The other benefit of having a structural engineer look and advise on the property, is that you can then use that report as proof to a future buyer or tenant.  

It was to my benefit that I could get in early and be rent ready.

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This is from navigatehousing.com: "According to OMB’s guidance, any program that provides direct benefits to individuals is not subject to the federal funding pause.

The seller may not want to do this, as many of these guys are benefiting from the tax deferral which comes with NOT moving title over.

I'd recommend looking at costs. your build cost is going to be well over other homes because of the fixed costs like slab, Hvac, roof, etc. check the market drivers and weight the benefits of short term versus long term. long term is no furniture and help pays mortgage but at this size it doesn't really cover everything. we didn't find a lot of economies of scale in single family detached. can you build more than one unit?

I recently completed one on a multifamily property and found it to be a cost-effective approach.That said, there are a couple of additional factors to consider beyond the code differences between a garage conversion and new construction:Coastal Overlay Zones – If your property is in a coastal overlay, building a ground-up ADU may require Coastal Commission review, which can add time and complexity to the process.

Code § 1709–2 - or commits Equity skimming;, which leads to wire fraud 18 U.S. 

It’s to your benefit to learn how to buy Properties using Subject To, at a discount, safely.Subject To Has 5 phases (ok, there are more, but I’m covering these 5 for now) JI did a spreadsheet on how to figure a good deal on Subject To.