If you can do conventional you do not have this test (but talk to a lender to be sure and get your specific situation). 

Your bridge loan would be that 6-12 month Interest-only loan with no prepayment penalty.

@Rich Hill, for situations such as your's, I generally offer two years of taxes and no interest on a best price offer.You can combine multiple properties in one quiet title lawsuit as long as they had the same prior owner.Thanks for buying the book!

I'm not taking a loan out against the ADU specifically.

Im guessing this option does better with cash at hand than getting a loan.

You have to be an expert at dialogues and the risks of subto are not widely known or are said to never happen (loans being recalled), but that's not what I would bet on.

if with a HML, then that's loan 1. 

I am very sympathetic to those who are facing foreclosure and other distressed situations.  

I wonder if this is simply another one of your out-of-the-box strategies to prevent legal and financial claims against yourself.For any remaining investors associated with Justin, please do not hesitate to contact me directly if you have any questions about this situation

I recommend just completing it, getting a lease signed then just doing a DSCR loan..