DSCR purchase loans for existing Padsplit properties that have rental history, AND fix and flip loans that I will need to refinance into DSCR for properties I will turn into Padsplits.   

Just a quick tip -  you can leverage your existing network of title companies, lenders, and other real estate agents to find off market deals.

when you put your property on the Padsplit platform, did you purchase an existing pad split home or did you have the conversions done to make more rooms?

If you hired out all the work, you are more likely to get ~$0.50 for each dollar you spent on the ADU assuming 1) in single family zoned area 2) not converted from existing habitat space. 

Your first post sounds like a purchase, but this statement "The $20,000 was when I refinanced and did HARP with Wells Fargo twice." makes it sound like a refi.If it was a refi, was this $20K an existing debt of yours that was not caught and paid off on the refi? 

We have operated STRs since 1999 and they had been around long before then (STEs have existed for many decades).  

In my market zoning ordinances often make 95% of existing residential lots nonconforming where nothing could be built within the ordinance.

We added windows to two rooms that previously had none and replaced 3 existing ones.

This is what I’m seeing in the market: Leaning on existing lender relationships is generally the path towards originations these days.

Finally, confirm if there are any existing service contracts (for landscaping, pest control, etc.) that may need to be transferred or canceled.