Most of the time, an ADU will cost 100k just for that part and then you have to actually build the cosmetic part for an additional 40-50k. 

We’ve got one big player that probably has at least 600 units with their own rental office and full time maintenance crew.

This has been a LONG time coming. 

I've heard there's a good chance the mortgage company won't care as long as the payments continue to be made on time but I still want to protect myself just in case.

I am also a full time Realtor® and have connections outside of CFRI. 

Yea, the guide is a living document that I've updated several times throughout the years.

What is the time frame for everything? 

I look forward to fostering a growth in knowledge, understanding, and connection by utilizing the tools and resources provided through bigger pockets.Thank you for your time,Brian Luter

If you've dealt with this how much did it cost and how much time did it take to resolve it?

And this might indeed require some time to pass before doing that.You could still create a single member LLC with either you or your wife as member.