Take that number and multiply it by 12% and that’s your allowance for marketing per deal  Take that number and divide it by your historical lead cost.  

Are you looking for something that is already divided or are you open to the idea of finding a SFH with the right layout to divide it yourself?

NOT having to provide tax info is one of the biggest draws for a DSCR loan, so that doesn't make any sense.

If it is a regular rental, draw up paperwork that clearly outlines how much money they lent you, when it will be paid back and how much (eg if you buy a house for $400K and 10 years later they move out and it sells for $500K-do they get a percentage of the profit (after taxes and costs)?

The builder will need to supply a Cost analysis, Blue print and a few other things prior to the Draw being negotiated and set up.The land that you own will act as "Equity" to offset the LTV/LTC so you are off to a good start. 

If so, is the gain simply divided to 50:50 between 2 units?

What is the draw (seasonal vacation, business, sports, beach, mountains etc) who is your renter avatar?

This is your annual net operating income (NOI) divided by the purchase price.

The CO 1st position mortgage was fully paid off and in 11/2021 I opened a $200K HELOC, Borrow Terms are 5yr draw/15yr payoff at 3.99%.  

My assumptions based off research is I will be able to deduct 1/2 of all allowable expenses based off the ADU square footage (My understanding of that list below)  1/2 Mortgage Interest (Not principle) 1/2 Utilities 1/2 Property Taxes 1/2 Insurance (assuming I don't have separate ADU insurance)  1/2 general house maintenance (depending on the issue and if it's related to the ADU)  1/2 Depreciation (Home value, not land divided by 27.5)  KEY QUESTION: If my mortgage (PITI) is $5400, and all of those ADU deductions equal $3800 monthly, and my ADU income is $1800 monthly, am I allowed to pay the difference in "deductions" from my real estate business income?