This property can NOT be financed by FHA or a traditional conventional 30-year fixed-rate loan.

Also the Adelson family of Las Vegas Sands fame have purchased a couple of big parcels with hopes to build a giant casino/convention resort perhaps anchored by the arena for the Mavericks for which they also just purchased majority ownership from Mark Cuban. 

Since it was going to be my primary home, I used 5% down, conventional financing.How did you add value to the deal?

BUT I still understand the point that most people made, these are not concrete/stick built structures with conventional building methods, and it is owner/operator, and it's a volatile industry, and its 50min from the Gatlinburg hotspot, and the main house is a double wide, etc.I guess my dream would be that an owner that wants to live and work in one place can buy this property, live in the main house and self manage the property.

9) adding multiple ADUs or adding an ADU to a quad looses F/F conventional financing.

If so, was your new loan conventional? 

Conventional would work too, but you would have to wait at least a year on seasoning, DSCR is only 6 months.

I was pre-approved for a conventional mortgage with a 3 % down payment 2.75 Interest Rate.

This will also allow you to rehab the property at your own pace assuming you buy it using a conventional loan.

Thanks, HELOCs the way you want them probably structured as a DSCR do not really exist to the best of my knowledge, you can do an investment loan heloc for a super high cost, but you will be subject to a traditional conventional underwrite.