To your question on the illegal unit, there are ways to navigate that, with some lenders being more comfortable and experienced on it, whereas most are going to stumble on it. 

I've stumbled upon a fantastic deal in Pine Bluff, AR.

It's a great strategy if you are in a rapidly appreciating area where the rents haven't caught up. we stumbled into this niche in vegas  it works as described so far so good.. 

Hey guys, I stumbled across this thread.

So glad to have stumbled upon this thread.

Hi everyone,I stumbled upon a dilemma about what I should do with my current property and need some thoughts as to what I should do. 

I appreciate the share and will dig into them further.I've also stumbled on a couple other candidates:AltaOne Federal Credit Union - as low as 6.5% @ 100% CLTV (15 to 25 year terms)Signature Federal Credit Union - as low as 6.5% @ 100% CLTVNavy Federal - as low as 7% @ 95% CLTV (20 year draw/20 year repayment)

Just stumbled across your thread, and figured I'd introduce myself.

I stumbled upon this post just from the question and your comment was the most valuable to me.

Most of them are newbies but you might stumble into a good deal.