We also provide really nice treats from a German bakery.

The first lender that I went to for a loan just told me that they can not provide me with a mortgage because my income "on paper" was too low.

I would ask your CPA for the benefits of providing a loan to an LLC.

I am happy to connect to provide details. 

Ironically from my observation it’s the same clueless people who believe anonymity is somehow going to provide asset protection that are most reckless in their business.

I’ve seen where NC has partnered with municipalities to provide federal or state funding to bring public water/sewer to under severed areas.

You can forget any large bank like Wells boA or large regional s I highly doubt with your scenario they will provide any credit to you.then you have the Brokers who are responding.. they set you up with a direct HML that does vertical Rates 10 to 15%  and points 3 to 6.. of which the brokers take 2 to 4 points for setting these up for you. 

It makes it easier (legally) to build an ADU and provide a means to rent it out or have family stay there.

Additionally, depending on your unique requirements and tastes, speaking with a local real estate agent might offer insightful advice.If you have more specific criteria or questions about any of these areas, feel free to share, and I can provide more targeted information. 

The take-away here is that it is hard to be motivated to do any activity when it isn't providing a positive tangible return.