I've been studying different real estate strategies and would love to understand more about how the permitting process is evolving in that area.Did the realtor mention any specific changes in local ordinances, or was it more of a general observation based on market trends?

Based on your post;1.

I love that you’re already narrowing down specific zip codes and doing your due diligence.I’ve heard good things about 73170 and 73135, especially with the proximity to Tinker Air Force Base, which tends to attract stable tenants.

The Newsweek story (link above) based its facts on RedFin data, specifically for the DC market in January when most of the government RIF news was speculation.

Some DSCR lenders will do it based on expected rent but still, they would not want you to be doing an owner occupied home with their loan.

or alternative lenders?

@Chris Pratt Since single-family houses with ADUs are not considered commercial properties, they are not priced based on income or cap rate.

Unless youre in a call center like Rocket, nearly every serious MLO role in the industry will be commission only and self-generated files, meaning you eat what you kill; very few reputable places provide leads or base pay. 

The reason I say this is that with a 5+ unit a lender will evaluate based on NOI and a cap rate, so adding a 5th unit COULD (or could not) substantially increase the value of the building and make it worthwhile to refinance and pay off the existing loan (that is tied to the "old" quad) anyway.

Louis based and didn't realize how much he hated to travel to care for it!