OP, keep in mind not having access to heating and sharing same water heater and etc will require an easygoing tenant in the nextgen.

@Brady Bitter these funds have margin requirements. 

@Helena Goyvaerts rate for a 30-year fix would be at least 8.5% with some points (1% of loan amount).Most DSR lenders have a minimum credit score requirement from the applicant.

The deed transfers to the trust without triggering due on sale and that is the only item requiring recording in the process.  

Figure out market rents, deduct expenses to determine NOI, deduct cashflow you want, plug remainder into mortgage calc at current interest rate, then add lender's required down payment.That is how much you offer!

B2B Bank had just introduced liquidity requirements which seemed to indicate they really did not want to be providing that service.TD was the last of the Big Five to offer the ability to write and hold arm's length mortgages.  

A STR is a completely different animal in my opinion, in that it requires more work and much more compromise, but financially is worth the effort. 

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

I have a few lenders who do but they still require some money from the borrower so they have skin in the game.  

I wouldn’t lower your credit score requirement or you’re going to end up needing to evict again and having turnover expenses.