One place I heard an interview with that does ADU loans is ADUloans.netIts a mortgage broker in CA that specializes in ADU loans.Might be worth checking out.

If you find someone giving you confused looks, seek a mortgage broker that helps investors.I'm not so sure how they would calculate income from short-term rentals.  

Hello @Jerry A.Feel free to message me if you have any questions but I would seek out a broker who has access to over 220+ lenders to help do the shopping for you. 

Mortgage Broker/ Bank/ Hard Money Lender – Someone that has experience working with other investors.

Credit Union, Brokers, Banks (all have different advantage & disadvantages). 

You usually can do these loans with NO points, you just need to work with a broker who has access to dozens of lenders as there are plenty of lenders that can provide these type of loans with No Points. 

Regards,Drew Curtin - Associate Broker

@Drew Sygit The verbiage in our management agreement is as follows: make, contract, and/or supervise repairs, alterations, and/or decorations to Property; to purchase supplies and pay billstherefore; Broker agrees to secure the prior approval of Owner for all expenditures estimated to be in excess of $500.00 forany one item, except monthly or recurring operating expenses and/or emergency repairs in excess of the maximum, if inthe opinion of the Broker such repairs are necessary to protect the property from damage or to maintain services to thetenants as called for in their leases; in the event that Owner is unreachable after multiple contact attempts for more thanforty-eight (48) hours to approve a repair in excess of the above amount, Broker shall be considered authorized to makesuch repair.I've been contacted about high ticket items in the past but these "make readys" are done without approval. 

call a few brokers and just see what their terms are.

One night I saw the broker alone at the bar and started saying how I wanted to be like him but was broke and wanted to learn to wholesale.