If looking to buy in the U.S, there are foreign national DSCR loans for 1-4 units.

.• In 2010, I moved out and decided to put in in service as a rental unit.• I was able to keep it well occupied and leased throughout 2024.• I sold the condo unit in late 2024 for a nominal profit.That brings us to today. 

I would look at the DSCR loan as the first option.By the way, I suspect you are going to be disappointed by any refi appraisals   ADUs typically appraise poorly   JADUs can lower the property value Vs having the space as part of the primary unit.  

Both flat and percentage base charge usually a 1 month fee to lease out the unit. 

Quote from @Tristan Kelly: Investment Info:Small multi-family (2-4 units) buy & hold investment.

I am interested in living in the basement, and renting out the upper unit on Airbnb.

I am considering buying a property in Spokane that includes two separate housing units. 

Quote from @Michael Lam: Hi All, I'm an out of state investor looking to start a rental portfolio in the Cleveland area for small multi families (2-8 units).

Lastly, ADUs are allowed for NON owner occupied properties, opening this strategy up for investors who could convert a SF into two units. 

That means that you can buy a property with up to four units, since this is still considered residential.