The typical income from a free and clear rental would probably be $800-1500/month - and on a financed rental probably $300/month on a good day in today’s market.  

if so does anyone know how much is the typically LTV you can takeout?   

For example:($650k) property value - ($150k) Land value = $500k / 27.5 years.That's $18k in losses you can deduct against your rental income.

That's a typical scenario and could cost you $10,000 - $15,000 so that would be a good starting point for your reserve.But there's more!

Pace is a typical guru.

We all use private investors or NON/QM investors for DSCR but some again charge points and some do not because they UW the file (Mini-C).Most Bankers typically offer rate closer to PAR or less margin built into the rate.

They typically provide education and also have classes/courses to take.

What will be the difference between a single family home + ADU vs making a duplex with SB9, for example?

They may call it by different names though, for example, "home-share endorsement".

To save those costs, you might want to stick to some year build and older, for example, if you cannot do inspections on the properties that you are buying due to off-market deals or something else that is hindering you (all sellers I buy from do not want anyone in the home till we close).