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ADUs can provide additional rental income, which can help offset mortgage payments or other expenses.Extend your homeowner's insurance to cover the ADU.Be prepared for potential increases in property taxes due to the added living space.Given that your property is not in a dense urban area, make sure to check specific local regulations as they may differ from city regulations.

Have you passed all required local rental inspections?

I am a new landlord and need to replace the only shower in our rental property, which will take 3 days to complete.

I've done flips, long term rentals, and now I own and in house manage a short term rental in Michigan City.

Will be above a 1.2 DSCR and LTV will be between 50 and 60% on a good B class rental.

This property could be a solid section 8 rental and has passed for section 8 inspection recently. 

I have section 8 rentals as well as non section 8 rentals.

I think your big difference will be in local rental laws which vary by city.

If you want to buy and hold (eg long term rental) and you aren't planning on living in it, you will need 20% down.