I’ve been back in touch several times as questions arise.

@Phil SheltonYou would need a civil engineer to provide a drawing to get submitted to zoning and get a permit if it passes zoning is most common This also depends on the road - if it’s a state road forget it as it will take a year to get approved and cost a fortune - if it’s a local road process not as cumbersome but don’t expect this to happen quicklyIn some instances you may have to prepare sight distances etc to make sure it’s safe to add a curb cut

So when I hear other investors talking about how adding ADU's adds equity, you're telling me this isn't really a common experience?

You need to look at it from the property owner's angle, and reverse engineer the problems & objections that are going to arise, such as:1.

So, the common person may ask - well how is me funding the rehab myself any more risky for the lender/why would they want to limit leverage?

There's a specific forum for House Hacking.You'll want to spend some time reading through there as it's a common topic.

Very common scenario for sure, if it'd be helpful to look at some options feel free to reach out!

Where I live mice are common as the cold weather drives them inside.

@John Lasher I didn't, but you're right that it is a common path. 

It's pretty common practice to have something like that in a property management agreement, and if it falls under that limit they're going to pay it and not notify the owner except in regular monthly updates because it is below the threshold of what is an ordinary expense in the course of business.