And there is a lot of superior options out there in both product and methodology. 

I would suggest going to the find a lender tab here on bigger pockets to find a local lender who has the same products. 

These companies selling products tend to drain agents dry at these conventions selling every do dad that is supposed to give them an edge over everybody else.

LexisNexis has a product called "Accurint".

"Question: have you ever filled out a spreadsheet of cost and lifespan of each product of a property?

What was your investment and what type of return did they offer you.I have no problem people losing money if they were expecting excessive returns on high risk products.

Curious how this will play out in the courts (granted it's LTR) and affect pricing products used for STR such as PriceLabs (which I use but have to seriously manually adjust for very specific reasons).

A 1200sqft detached ADU would prob consume 25-30% the rate of the main house making it about approx 15% lacking in producing enough power for equal production to usage on the entire property. 

@Paul Moore and others have done a great job taking fees down in the product.  

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer.