Those are uncommon concepts in loan sales. 

@Chris Mason @Rory Cumminsjust an update. regardless of the financing, a property walkthrough proved this to be a poor investment for what i want to achieve. i did email my finance guy what you said, Chris, and he wrote back this. seems to be a combination of his underwriting guidelines and the uncommonness of the property: ------With regards to this California guy who seems to have lots of “single family residences with a detached accessory dwelling units” in his neighborhood (which might be an accurate description, but is a tongue tangler and not really used in common vernacular), Columbus unfortunately does not, so these types of properties are difficult, if not impossible to find comparable sales nearby and in the last 6 months, so they really can’t be appraised.

In Los Angeles, a million dollar “tear down” is not uncommon.

I didn't realize city inspections were so uncommon.

ADUs are Likely the most expensive housing out of all housing options (in my area $350/ft is not uncommon for ADU development).  

Not uncommon though.  

Buyer paid SS negotiation fees are not uncommon.

It’s not uncommon for the initial underwriting to miss something and get caught later on down the road (typically they ask for more documentation).We had similar issue once as We had a loan we went to closing table and at the closing table they told us we were not getting the loan because the bank was being acquired.

It is not uncommon for people to move 50+ miles away from work here.  

It's not that uncommon.