For Fannie, a "fully functioning kitchen" defines an ADU: https://www.fanniemae.com/content/guide/selling/b4/1.3/05.html#Accessory.20UnitsFor California, a "junior ADU" has 120V electric, and only maybe a separate bath (!)

For more info on Cleveland you'll want to read The Ultimate Guide to Grading Cleveland Neighborhoods.

Guides here; https://selling-guide.fanniemae.com/sel/b3-3.1-08/rental-inc... 

(that is, assuming you've hired an agent with experience, market knowledge, and the wisdom to be able to guide you to what you're looking for). 

@Heather Bailey Wow thank you so much for spending your time to help guide me!

Most are going to want to lend on the rehab as it ensures the rehab to be completed,There are numerous ways to pencil it out in your favor though.It benefits to work with an experienced broker who can guide you through the process and put you into the best possible product and solution out there for you.

We do it up the hill Reno and with a good agent they can give you all the options and guide you through the process.

Start with BiggerPockets Ultimate Beginners Guide (free).

Consider teaming up with a mentor or a partner who has the experience and is willing to guide you.

The calculator estimates that operating expenses are equal to 50% of the monthly income.  50% is a rough guide.