The additional advantage to a DSCR loan is that they do not impact your DTI and  you can keep them inside of an entity to help provide an additional layer of liability coverage if you would likeEntities would also allow you to be flexible in your ownership structure, if you need to add someone like a credit partner to help get better terms.Just shot you a DM, would love to see how we can help.  

In addition to what has been said, a Solo401k is super powerful.

AND you cannot separately sell or refinance that ADU in the future.That said, I ran across this company that seems to specialize in this type of addition: maybe they could help? 

We advise landlords to require two main criteria:1) Household income should be at least 40x the monthly rent.2) Applicants must have a credit score of 680 or higher.It's also important to review credit reports for red flags like rental collections or high credit card balances.

District customer records are private under District Regulations Section 27 and state law, and exempt from disclosure under sections 6254(c), 6254.16 and 6255(a) of the Public Records Act.Please let me know if you have additional questions."

Prior to about 15 years ago the PM used to call with a rundown of the applicant’s credit, income and any relevant facts and I would approve or deny.

With regard to cutting grass, installing A/C, buying an additional fan etc, if it wasn't my responsibility under the lease I would say no if I didn't want to do it or I would quote a price for the work.

I also did the same this year and I have been learning about key metrics, different investing avenues, and educating myself on what type of returns I am looking for.In addition to investing in single family homes or a duplex or triplex and renting those out, there is a movement towards passive investing that I am seeing.

It does everything from rent collection, background checks, credit checks, ID verification, tax preparation, lease signing/preparation, etc. 

I recommend connecting with an investor-friendly lender that can give you an idea of what you will be able to afford based on your DTI, credit score, and current income & assets.