@Avery Bilescan you be more specific as to what you're trying to get at here? 

Also, here's an update:Spoke to a Property Management Co. based in Northeast Philadelphia:They said that you will have to wait the 4-6 weeks to get the license and then the Certificate, apparently it does take them that long.I also spoke to a Philadelphia 3-1-1 line Government representative:He said alternatively you can walk down to the Philadelphia Municipals building and directly request for Rental License, however, he warned that you need to bring a MONEY ORDER for the dues as well as it taking 4+ hours on a business day.

Did you have any specific questions? 

Alternatively, some contractors offer financing plans that could spread the cost over time. 

Explore more programs and property types and since you know about ADU's look for homes with bigger lots for that specific potential.Feel free to reach out and Network always happy to help and talk REI!

I wouldn't get too hung up on a specific number or rule about how much of the mortgage you are responsible for after your rental income WHILE LIVING IN THE PROPERTY.

Are there specific type of investors that are easier to work with?

@Praveen Van  Not sure on a DSCR loan specifically but I have similar commercial loans, that are based off the rental income of the property. 

Also remember that it should earn more than you could make with less-risky alternatives.

This deduction can offset the income generated by the property, potentially reducing it to a tax-neutral position.For those with full-time jobs, the challenge lies in the IRS designation of "real estate professional," which has specific hour requirements that must be met to take full advantage of these deductions against ordinary income.