good luck  Here in Boise, I have a client, he is having an ADU put on his property this week:1 br 1 ba, 448 sq ft. 32 feet long, 14 wide.

The key is marketing on a wide distribution of channels to get a billboard effect and attract those mid term renters.  

Most of the time you can find a local bank or credit union that will beat these country wide lenders In my experience.

In general I'm saving for repairs to the property, but we all know that this covers a wide spectrum.

The education and support are incredible, as are the resources and the community.

That’s an incredible accomplishment, and you deserve a lot of kudos for reaching this milestone.This might be a simple question, so thanks in advance for humoring me—does the property still cash flow if it were financed with a mortgage?

You want to get a wide variety of responses to drill down on the ones that seem the most verified, not that most suit what you want to hear.

With all the specifics being the equal, how could the range be so wide?

I'm chez, and I've been lurking on BiggerPockets for a while now, soaking up all the incredible knowledge here.

@Philip Jones we've helped our clients do over a hundred.As some of the lenders posting have pointed out, the challenges are:1) Property value and corresponding loan size2) Appraisals have much better comparables than 5 years ago, but may still be an issue.3) Property condition can be an issue via the appraisal4) Ownership seasoning - most lenders looking for 6+ months or incredible documentation for cost of improvements made.5) Most DSR lenders require professional property management.Always try a small local bank or credit union, but most will expect you to transfer your business bank accounts over to them.