I’ve heard people getting title companies to do free ones for them.

I'm sure that is true, because most mortgage companies aren't going to go searching for issues when there aren't problems - but in the truest sense of the word this is loan fraud and I'm just not up for it in my portfolio.I did hear from a friend of a friend type that she was able to close a subto with a small local bank somewhere in Georgia (property was also located there) because of a long standing relationship with the bank. 

Additionally, many loans are tied in with the government and by concealing the transaction from the bank, the insurance company, and the government without full disclosure you might be breaking the law.

Are there any good screening companies that screen Canadians?  

Although there is a cost to the investor, REIT's offer liquidity and can provide diversification within your portfolio.Real Estate Funds vs REITsA real estate fund is pretty much another form of a mutual fund, except it is focused on investing in the securities public real estate companies offer.

AND you cannot separately sell or refinance that ADU in the future.That said, I ran across this company that seems to specialize in this type of addition: maybe they could help? 

We had a recent bad experience with a company offering to do the whole set up. 

My name is Jesus Morales and I work for the wholesale company "Ember Holdings" based out of Newport Beach, CA!

My company does a good deal of work with various agencies and voucher holders. 

People will protest, scream, stamp, and tell me how wrong and privileged I am.