Once you've thought a bit about what your ideal wholistic investment portfolio looks like, if you decide that you want some kind of more active real estate investing in the mix, I cannot recommend more getting Start with Strategy by Dave Meyer and the accompanying workbook The Strategy Planner.

We know that investing in real estate means building a business that incorporates the right investment strategy, tax & legal plan, financing, retirement planning, insurance & estate planning. 

I don't know about your state but mine (TN) has a lookup tool that will show you the agent's original license date, the brokerage incorporation date, etc. 

I understand that with traditional mortgages, it is unlikely to receive lending that incorporates speculative renovation costs.

As a smaller, self-managed landlord I think solutions that offer that kind of scheduling/logistics framework are solving for one of the most long-standing self-managed challenges we've had for years: how to scale and systematize operations when you're are landlord or PM out there hustling for your next deal. 

These modifications are carefully crafted to incorporate ADUs seamlessly, aiming for a delicate balance between increased urban density and sustained neighborhood character.

I had still kind of been contemplating further research on this program, but you talked me out of it.

Can anyone shed some light on what kind of down payment, terms and qualification requirements we would typically be looking at for an SBA or low down commercial loan?

Obviously very excited … But it looks suspicious to me - does this inquiry seem like some kind of scam or the beginning of a scam??

The percentages are going to be up to you There are all kinds of High interest account that require all kinds of hoops to keep them.