(My family plans to live in one side as a house-hack method and we'll rent out the other side.)I've learned that there are fewer obstacles to scaling multi-family buildings down in unit size (vs. up).

The biggest obstacle is usually the local politicians.

New construction on a detached ADU that has its own yard and entrance.

Again, owners of single family detached homes get the big win.

Cash is cash, and there's no lender obstacle.

This implies that the 2/1 detached unit in effect costs $100k.  

Then I see duplexes and some tri-plexes (a detached upper/lower unit in the backyard is common) but not many 4-plexes.  

Again this sounds less than ideal.The other large obstacle I'm up against is the fact that I'm getting laid off in 3 months, so I need to move now while I can still get financing.

@Kevin Phu Appreciation will continue to climb, supply is very low for detach and semi detach properties and demand is sky high, multiple offers of properties every day, this is one on the most aggressive real estate markets in north america.

Raising capital is my current obstacle and have looked into opening up a business (LLC/S Corp) to begin establishing credit history to ask for bank loans in the near future without much hassle?