Saying NCF (even small) in the beginning is better than paying for it with a bigger DP is like saying you would rather die from complications by getting an infection from cutting your finger cooking in the kitchen, than having the kitchen fall on your head.Sorry about adding to your anxiety. 

Some people seem to think it’s a scam when the first complication is a form asking for personal informations.

Those are typical hidden costs and complications that can really impact the profitability/feasibility of ADUs.

I was just trying to get some ideas because most of the floorplans and roof lines I have found seem unnecessarily complicated.

@Manuel E Urrego - it complicates it.

This is complicated enough to warrant a tax advisor. 

Tax sales in Allegheny County are technically complicated.

He can roll it into a SDIRA and can invest from there, though there are complications in doing so.

The home warranty companies have obviously studied this in coming up with their own business models.Home warranties are a great way to sell an old or complicated single-family to a retail homebuyer.

They see anything else as "complicated".