Waruna,Best advice from a Banker is to build a relationship with an actual FDIC Banker that funds Nationwide and offers all programs.

There’s a reason that big hedge funds still buy and hold houses.

Quote from @Charles Evans: You are actually behind the 8-ball on this.

I actually started my own blog to break down the latest market news in a way that’s easy to understand and actionable.I pull my information from a few solid sources, including:•Florida Realtors (floridarealtors.org) – Great for statewide updates, trends, and legislative changes.

The last few years have been great for investors/homebuyers who bought pre-con, but looking back to the few years after the 2014/15 boom, this wasn't the case, where many had actually committed to buying a property that wasn't quite worth what they signed up for closer to closing because the appraisal weren't matching the contract price, requiring a cash top-up.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

I am from there and am actually moving back.

The question is, what is the intention  of the owner, not what would a reasonable person think is the intention of the owner.

Are you actually building the ADU or contracting out? 

Happy New Year.I grew up in Dallas, graduated at Lake Highlands,  and my sister manages a complex in old East Dallas actually.