I sacrifice today in order to reap the rewards in the future. 

You can talk to him / his team in the monthly meeting but they're on an agenda so don't expect to much one-on-one type support there.  

For example is a personal loan from a bank is 7.5 % that you could use as a down payment (after its seasoned), and your 401k loan is 4.5% but the 401k is expected to return 7.5% per year the money you save on one end you miss out on the other end basically and if your 401k returns are 20%, then you lose out significantly. 2.

I was going to add, as posted above, it's a great rate and stick with that local credit union for the future business. 

This sets the right expectations. 

For the moment though, I am just trying to gain a more robust understanding of all things real estate that I could reasonably see in my future.  

Not sure how you are expecting members here to assist you, when you keep making excuses to NOT help yourself?

Though I expect that to increase in the future when more ADUs are constructed.

Start with these three key points:Current SituationAssess your current or expected capital and credit within a realistic timeframe.

You need to be careful about where you're buying and what your expectations are.