Nolasco told me that he was told by the builder that the 'final' price can only be determined when 'verticalization' starts.

A percentage of this number is then used to determine what portion is related to the ADU vs the portion of the property you're using personally.

What’s the best way to determine if a lender specializes in conventional, commercial, hard money, non-QM, or DSCR loans?

Check on ownership status before you get into escrow.Get multiple inspections to be able to really determine the extent of repairs.Try to align yourself with the best contractors, had good referrals, but somehow nobody stood behind their warranties.Have a good lawyer and local accounting firm.Talk to locals to see how things are done and what's happening around you.Have patience!

It has taken the last 6 months of the year to come to terms with an essentially game changing mindset: "Track the input and let the effort determine the outcomes"Initially I wanted reach a goal of $100,000 in a year wholesaling real estate.

What is the best way to determine the areas of a large metro area that are best for section 8 rentals?

I don't know your specific market all that well but have you done some analysis on your ADR during the high season X your high season occupancy rate and determined whether taking lower priced slow season bookings vs letting your property stay vacant during the winter averages out in your favor?

DSCR loans don't require all of those things - your FICO and the income from the property are the main determining factors.

I recommend continuing to learn pros and cons of each and determine which paths (I pluralize it as you should diversify even across real estate).

There is usually a hearing to determine if this is done.