The Mortgage would be around $3587/ month including insurance, taxes, Mortage insurance.

And again, this is still not including any capex/repairs.  

In California, diverse housing options are encouraged, including Accessory Dwelling Units (ADUs), reflecting a broader trend toward inclusivity.

For example, if in-unit washer/dryer hookups are the norm, I would include the actual appliances as a simple way to exceed the expectation.

75% of ARV is the max you want to go when you include all your costs. 

This includes landscaping and outdoor space if possible.

Will use my lender Ryan Deasy at Capital Three Sixty who has already done (or in process of doing) 7 other loans for me including a 3 property portfolio refinance.

Including buyer agent commissions in financing deals is crucial for keeping the dream of homeownership alive, especially for first-timers.

My thought was to block Saturday check-in/check out up until a few days before that date, allowing me to capitalize on bookings that may include the Saturday.

These loans take more time, require more docs etc. 20% down requirement (you are closing one time for the construction -- includes land -- and the permanent loan).You could expect rates in the 11-15% range for HML/PML.