sounds like a good deal. a couple things of note to hopefully help: SFR w/ ADU is fantastic, you don't want this to be a triplex on paper. do your DD here, and make sure those ADU's are properly permitted as such. if you intend to live in the property you will have to qualify w/ some type of ATR rules (income/ Ability to Repay).

Sounds extremely suspicious to put it very nicely. 

However, is sounds like those either require previous build experience, or else no experience but they'll only fund about 65% of the construction costs.

Sounds like the location in the Bay has awesome protentional as an MTR. 

It sounds like you've encountered a common issue with mortgage servicers when trying to transfer a property to an LLC.

@Robert Weissfeld so a couple thoughts. 1) using "pre-approved or mostly ready-to-go building plans" sounds good but people paying $3m for a home don't want a cookie cutter so it might not be a good idea to go that route.

Tailoring renovations to these demographics can maximize appeal and marketability.Comparative Analysis with Surrounding Zip Codes43613 and 43615: These areas, with higher median incomes, might offer opportunities for higher-end flips but may also face stronger competition and higher property costs.43606 and 43608: While the potential exists, these zip codes may not experience the same level of market appreciation as 43620, which could affect profit margins.Strategic RecommendationsInvestment Focus in 43620Cost-Effective Renovations: Focus on upgrades that enhance fundamental property values, such as kitchen and bathroom remodels and improvements in curb appeal.

That will limit your LTV, but doesn't sound like that will be an issue if you're only looking for $100k. 

It sounds like the idea is good for more of a SFR, or a 1-4 unit rehab but my concern from a lender's perspective is the needed experience in the more 10+ unit space to give "normal" (80% leverage) on a deal like this. 

Obviously you will lose out on the compound effects in your TSP while the loan is out.