Quote from @Deborah Brancheau: If you send me a PM I can get you in touch with some companies and foundation people in that area.

I normally advise that people start a business as a sole propeitor in their first year.If it is successful and something you want to continue, then have a conversation regarding entities.

Look forward to learning and connecting with the great people in this community! 

Typically people making the designation a private lender is someone you know and have a relationship with and will privately lend you the money.

I live in a community where half the people never lock their doors.

This is a great place to connect with people so take advantage of all the great resources.

You’ll find plenty of friendly, knowledgeable people willing to respond to your posts.

Luckily for OP, I can't imagine too many people wanting to add 2 ADU's. 

There are still a ton of jobs and people continuing to move into that market. 

As a loan officer, I've seen a few people go through the same scenario of basically breaking even.