I hard pass on anyone with payday loans on their credit score. 

If you start making better financial decisions, cut out the instant gratification products\services that provide no real value, eat healthier\excersize to reduce medical costs, expand your personal and professional network, learn new skills and\or look for a higher-paying company to work for, and get a side-hustle or pick up gig shifts (like Amazon Flex, Uber eats), your ability to find capital will exponentially grow over time, whether it is personal income or third party income. 

Any tenant demanding an instant answer can keep on demanding to the wall because they will get a timely reply, but when I've fully thought over the situation at hand.

The cost will be spread out over the length of the mortgage (30 years), so in reality, you're not even going to pay full price for the use of it.Pay for it after you buy the property, and it's a lump sum out of your pocket...and all that cash flow you made up to that point goes "bye-bye" in what seems like an instant.

So no cash flow big bucks put into it.. but big pay day ... 

Bigger Pockets gave me the knowledge to see the ROI instantly.

I kinda wish I were in your position... check really well your competition and make the best space you can....time works in your favor.... is not that you can materialize an ADU instantly...

So the online instant certification for $30 may be "Legit" under the letter of the law even though we know it's a scam.

Your rents are compounded with more renters so that is an instant increase in cash flow.

We were only into the deal for $128K (85K purchase + 1K closing + 42K rehab), so we received all the money we had put in, plus a small payday.