People confuse owner occ or long term mortgage rates with the rates they should get on short term loans.THE OTHER Major red flag is they will send over a copy of LLC registration like that gives validity and then they will offer a copy of their drivers license.. again something that simply is not done in the industry but those that are new don't know that and get impressed and sucked into the scam. 

My day job (hopefully not forever) is a CDL propane delivery driver in Birmingham, Alabama.

I work a full time job as a truck driver hauling sand.

Copy of drivers license ?  

The issue might be however that the appraisal value won't consider the ADU in value and your appraisal, the main driver for the ARV on the refi won't be as high.

You need to be the investor in the drivers seat not going along for the ride in the parents car. 

It was one of the primary drivers of the crash because people got into properties they weren't qualified for and didn't have equity and were left holding the bag when the market shifted.  

I'd still request a picture of their driver's license for address verification and call the landlord references on the report for additional info.

Where $1000/month is too much to cover for food, gas, utilities, 24 hour on-call house cleaner and personal assistant, plus a driver.

This entails going through the drive notes from the drivers that go to each property as well as talking about the numbers (estimated repair costs, fees, ARV, etc.).