Our IR team is vertically integrated in-house and not outsourced.

I would try to subscribe to Angies List to determine a suitable mortgage company.

With ADU's being so new and in most cases it being done for an owner who has no intention of selling, there are few data points for appraisers to currently use when determining the value of a home with a detached new construction ADU. 

Per IRS, it is depreciated over five years. 

LTV would be determined by the type of loan.

Under IRS Publication 523 for 2023 dated February 2024, I qualify as "Service, Intelligence and Peace Corp Personnel" and for "qualified extended duty" (page 4& 5 - https://www.irs.gov/pub/irs-pdf/p523.pdf).

--Searching properties:Size: 0-2 bedroomsPrice range: 300k maxI've started looking on clasificados, and trying to determine where to search.

The next objective after locating a target market, would be to determine if your primary goal is appreciation, cash flow or a little bit of both.

I would get together with your realtor, have them tour your property and then run comps to see what the value add would be, then simply pencil it out to determine the return. 

Most hard money Lenders can't give you final approval without the property because they do an analysis to determine what their risk is.