private money lender How did you add value to the deal?

Some of the new build SFHs are very affordable with in-house lender rates.

Also find a good lender that is well versed in STR/MTR loans to make sure you qualify for financing (if you need it) and that they can execute the loan smoothly

Perhaps a seasoned lender can step in and correct me if I am wrong! 

An investor-oriented lender would have done that. 

Hi @Kyle Carter local PM here should you need any connections with contractors, lenders, agents etc. 

Ultimately though, it will depend on the lender and the availability of funds (assistance) available for the demographic area that you are purchasing in.Do you have a property that you are looking at?

Here's what I would do:Option 1- Talk to the lender to make sure that the buyer is strong.

I would also like to add a JADU on my property so I am in the process of exploring all of the financing considerations with my lender.

My only concern to look out for is that things can go 'rural' pretty quickly if you start venturing outside of town, and most lenders are going to put the brakes on financing if the appraisal lists the property as 'rural' (has to do with what they perceive as the availability of future tenants).Watertown, NY - It probably is as good as you believe, but the lending licensing is pretty tricky up there, so its just  bit more difficult to find lenders that operate up there.