What was their level of speed & competence? 

Expect a custom ADU to take 9–18 months, with 3–6 months for design and permitting and 6–12 months for construction, depending on complexity and contractor availability, and the speed of processing permits.

After high school, I pursued a career in the military, where I proudly served for seven years.

So, I hope you have a speed dialer and a large cup of coffee.If you want low, competitive rates, fast closings and great service, work with a broker. 

Full speed ahead!

Another time the ACH info should have transferred automatically.

The property feels like you are in the jungle yet is on a paved road with high speed fiber optic internet and within walking distance of great restaurants that are owned and operated by entrepreneurs from around the world.

With online access to almost every jurisdictions property recordings, lenders today use software that automatically searches property transfers for transfers involving their loans.  

By the way if I see the same proposition that was previously on the ballot and got struck down, I automatically vote against it on principle regardless of how I voted for it when it was initially on the ballot.  

Quote from @Lionel Quiambao:  ... and maybe throw in the option for the tenant for more speed at an increased rent to cover the additional payment.