Many of us will gladly share our contacts - helping you AND that allows us to provide value to our contractors by referring them extra business.

However, as you mentioned, the lender is referring to Fannie Mae guidelines that say PMI can't be removed until after a two-year seasoning period, even if the renovations themselves have lowered the LTV.Fannie Mae's Policy on PMI Removal: Generally, Fannie Mae guidelines allow for PMI removal if the LTV drops to 80% or below and the homeowner requests it after the loan has seasoned (usually 2 years).

I do share my commissions for referals as well.

I'd recommend speaking to a referred lender to help you understand all of your options.

Some counties in Indiana would refer to this as an Accessory Dwelling Unit. 

Would love some actual reference to data if you have it (not anecdotal). 

We're wondering about various what-if's though, such as what if the people tear up the place, what if we don't want to rent to someone in particular due to references or credit or pets, etc.

I am definitely referring to a house that was already insured as a rental, not as a primary residence.

Can you put one on Houfy or similar site.You can always have one on YouTube and reference the link.

for certain data like price per square foot I've found you can tell them to reference websites holding the data.So far ChatGPT seems pretty good for this purpose but I'm curious to see how Elon's superAI pans out.