Look into mortgage, loan, and down payment help programs.

The additional income from the ADUs will easily cover the cost of the loan and produce really solid cashflow.

The reason for this is, my understanding is I cannot loan a down payment?

The loan is 7.75% 30-yr fixed. 

Also I know that some lenders have an issue with making loans if there are more than 2 layers of roofing over the deck- this would make you have 2 layers if you do not remove the shingles.

Just out of curiosity - has anyone heard of lenders declining new borrowers for assumable loans, even with strong qualifications?

If you have an FHA loan on the Duplex you need to have lived there for one year.

I had a great lender who was able to brainstorm options with me being newly self employed to get me a DSCR loan.

Hello, so I've seen that FHA loans do not like you to rent out your property until after you've lived in it for a year, and then even then, they seemingly are not compatible at all with short-term rentals (under 30 days), like for Airbnb.

I mean I passed the national and state test and I have never in my life done a conventional residential loan..