Seems like a big con to adding ADU's on 2 to 4 unit properties.

City council members are so gun shy when it comes to adding more housing for renters that they find even this too politically risky and have been dragging their feet. 

Sometimes you just have to kiss a lot of toads to find the prince charming. 

In fact, we knew we were in the Chicago area when the billboard went from ads with tractors and programs for Vets to ads for vice.

There is a lot more work dealing with move out inspections, coordinating make ready work, marketing, replying to ad inquiries, showing the property, processing applications, etc. 

There are many other stipulations that I recommend you familiarize yourself with.As @Russell Brazil alluded to, sellers are sometimes wary to accept a contract contingent on the above programs due to added paperwork and time.

I read a lot about this strategy and most of the source came from people doing it in  the US.Please feel free to ad my to your contacts if you want to chat this more in detail.Have a great 2021 !

I agree that you could cover both options with buying a primary home that has at least one income-producing area, be it a carriage house/converted garage apartment, an "in-law suite," or even a home with a suitable layout for easily converting to/adding rental space. 

Also in regards to adding value to a home with less down payment how can I get funding for that .

And another way to look at it is...if you are spending 5k to added 50k in value...its a win.