I'm looking to get pre-qualified for a loan, shop lenders, connect with agents, and find GOOD DEALS.

If your primary is 600 sqft, I am not certain an 864 sqft additional structure would qualify as an ADU.

Only works with qualified tenants. 

There is a new 20% pass through deduction you may qualify for that could help you, but not everyone qualifies.These are all things you will want to discuss with your attorney and CPA. 

This model was originally developed by the credit industry - for instance, a car dealer only wants to mail to people likely to qualify for a car loan.

A friend recently had a tenant through the tenant's agent want to buy their house, and it fell through even with the agent involved as the tenant didn't qualify for the financing. 

I'm putting together  a development that contains 300,000 sf of building, 200k of which is being approved for historic tax credits and all qualifies for empty building.

dual source of repayment.. you and the tenant.. the risk in money comes when the fed's require banks to make loans to those that do not qualify under normal circumstances.. the CRA really hammered banks and lenders..

But to use it for qualifying income, they require those people to be related.

I have a break-lease fee equal to 2 months' rent in the ones I self-manage, which actually deterred at least one tenant from leaving months early, but I will also work with them if they have been great tenants and allow me to advertise and find qualified replacements to take over when they leave.