Getting electrical and water to the ADU is fairly straightforward, getting the waste out and to the sewer or septic system is harder as you need elevation fall in the waste line.If you could get the doublewide up to a livable status as a rental, while you lived next door, you definitely would be successful in forcing equity.I don’t think egress comes into play here. 

Inspections include photos of each room and exterior elevations.

I really need to iron out my "elevator speech"  I'm not trying to sell them on anything that isn't a good thing, it can really be a win-win for all parties involved if it's structured correctly. 

Then you have the LUX apartment product like we have had built in the last 5 years in PDX>. top shelf everything glass buildings elevators work out rooms etc etc.

Hey @Rene Doyle , the first step is to get an elevation survey.

The plumbing, elevator, and all major systems were on similar schedules.

The other couple of banks that I considered going with were First National, Elevations Credit Union, Key Bank. 

Not much you can do for the water infiltration/sewer back up issue; I would say it happens every 8-10 yrs in Euclid (Euclid is close to Lake Erie where all higher elevation suburbs' storm run-off have to go thru city's sewer system; if your property is north of I-90 then you are at risk).

Like @Jd Martin had mentioned from what you're describing you have what they call a sewage ejection pump installed due to elevation differences from the lower bathroom area.

I've looked at quite a few MFs lately that are doing much worse than 50% expense ratios due to elevated vacancies, distressed units needing rehab that the owner can't afford, and very high turnover-related expenses.These situations call for apartment turnaround specialists, which I don't claim to be, but clearly units can be bought for $7-12K each all over fly-over country and someone who knows what they're doing can do very very well against a backdrop of rapidly rising numbers of renters in years ahead, due to tightening lending standards and so many more people with blighted credit.