Also, why pay 3 times the price of a house to the bank?

Getting into real estate doesn’t have to mean having millions in the bank.

Once my architect produces plans, the bank will have my property and ADU plans appraised.

Unfortunately with those numbers it's tough to find a non-bank lender/financial institution that will lend.Usually loan minimums are $50K and the up to 75% LTV on purchase-money/70% LTV on cash-out refinancing, which basically means you need up 25-30% depending on the type of financing. 

The goal is to keep these for rentals.I currently own the land personally and am funding the builds with a combination of HELOC and cash - no bank debt tied to these properties specifically.

Should the bank ever need to foreclose on the property, they can’t sell the building without the land or the land without the building.

These strategies would will grow you cash flow safely without dealing with a bank. 

Experience with financing via US banks as a foreigner are more than welcome!

After I placed the 5 day notice on her front door, she text me the next and said she would pay the full amount so I told her to go to the bank and deposit it and she did so we are back in business.

With your balance sheet and cash, you can put together creative deals without giving up equity and without using your cash but you are going to need to find a market and product which has 7-8% cap rates.I invest in the northeast, Great Lakes area.Diverse economies with education, healthcare as the back bone and tech as growth.In your area, you’ll have to raise way more capital in the form of equity just to meet DSCR with the banks.