Being proactive can help you spot potential red flags and make a more informed decision about your purchase.

Lenders can use legal ADUs to help qualify for the mortgage, so people that didn't even want to house hack before, may be in the market to do so simply to afford the type of house they want. 

They have a mental list of hard to collect rent addresses and they may help connect you and the owner. 

Are there any hard money lenders or alternative solutions that could help navigate this dilemma?

Happy to share more with you to see if it my be of help in seeing where this one compares to other options in the market. 

Here are a few tips to help you:- Market Research: Study the local hard money lending market to understand competition, typical loan terms, and borrower expectations.- Loan Structure: Define your lending criteria clearly—interest rates, LTV ratios, fees, and terms.

.📈 **Maximize Tax Savings** – Understanding new credits, deductions, and incentives can help reduce your tax burden and improve cash flow.Whether you're a business owner or an individual, staying informed is key to navigating the complexities of tax law.

I love reading and listening to podcasts about entrepreneurship, self help, and business.

Having an end number/goal in mind will better help you know the next step. 

Local grants and first-time homebuyer programs can help minimize upfront costs.