I was just approved for $235k on my primary home and I have no personal debt.  

Deals with approved ADU plans are especially attractive because they offer a higher return and flexibility for future buyers, making it a prime investment opportunity.

On my transaction DLP (Don) approved the loan 4 different times for 4 different dollar amounts.

And most will be able to pay the taxes when they come due, and put on a new roof, and put on a new coat of paint.As well as replace the carpets, cut the grass on a regular basis, replace the windows, reseal the chimneys when the liners crack, etc..It's unlikely that that these homes will fall into the slum category in 10 years or so, and make the asset underlying the loan virtually worthless.Or just vanish when the place starts to fall apart too much, due to no down-payment (no skin in the game 100% loans).Said the lawmakers who approved this.

Every adult residing in your rental should apply, be approved by you, and sign the lease.

Had to have a topo survey that took months and now waiting on DOT approve the driveway.

Some quick heloc calculations I could be approved for maybe 150k. with 8.35% rate 20 year repayment = $1287 bill.

You should not allow any adults to reside in the property without being screened, approved by you, and on the lease.Here's a detailed guide on how to screen applicants: Application Screening Guide

We do a lot of self employed loans and we can take your investment income in your pre approval.

Most likely you will need to get everything approved by the HOA.