Since your friend covers utilities, this offsets some of your cost.

So this is common thought and why it is a real challenge to get debt secured by the ADU value add at higher than 50% of the addition cost. 

This will save you on subscription costs.If you want to discuss any of this further, I'm happy to answer questions and help walk you through it.Best of luck!

@Alec Raven this is our "bible" for PMing.https://www.legislature.mi.gov/publications/tenantlandlord.p...Does your state have something similar?

What kind of loans are best for this?

Quote from @Zach Edelman: Why is this better than just paying off your entire balance before the statement closing date?

I’m doing this right now.

Hi Conner, this is very common with MTRs.

We are seeking investment in this area as it is near family and our anticipated retirement. 

You have to explain it to the listing agent who doesn't get it, who then sends that to the seller, by telling them it's not that you have no money, but this is a right afforded to you based on your service to the country and you can also show proof of funds that you have money, but are choosing not to use it as a downpayment because you want to do reno with it.I would use your VA, that's what it's there for.