That's a wash and not worthy of attention.

Especially a meet up on private lending, ADU additions are discussed regularly (new attendees looking for money for their ADU additions without being aware that no one there will lend on ADU additions).  

Many new investors claim to have analysis paralysis, but that's usually an excuse for either a lack of confidence (you need more meetups and more authentic relationships with other real estate investors) or shiny object syndrome (you want to house hack, but you like apartments, but also flipping, and what about storage).

I plan to raze a house I own in SD county and build a quadplex on this one parcel. 

Two wrongs do not make a right in law.

Honestly, upgrading to a commercial-grade stackable setup like Speed Queen or Maytag might be your best bet.

We are about to buy properties in OH. 

I'd have a Home Inpsector and/or General Contractor go over the place and make a list (Scope Of Work) with a tight budget.

Purchase price: $215,000 Cash invested: $45,000 Long term new construction buy and hold.

@Brandon Weis just an overly conservative bank. 3.5% down with FHA on up to 4 units.