With the amount of support they provide I am not against settling for an 8/10 deal. 

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

This way the wider outside lip contacts the entirety of the drywall while the wings are being deployed and tightened in place.Is there a way to pull the already wired, "old work" electrical boxes through the drywall cutouts from the inside out while not making the holes so big that the wider, outside lips of the electrical boxes can't properly provide contact to the drywall so it can be tightened via the screwed wings?

My intention is not to buy the sellers problem but to provide a solution.

Not here to provide an  endorsement or be critical of the lenders on this list but volume is not by any means an indicator I would rely upon when selecting my banking relationships.

While it's nice that being a CPA provides instant credibility, credentials can only get someone so far.

I may have to Teak my strategy in light of the excellent advice you provide here, Henry.  

They should be able to provide a market rent range.  

RM-4.5 zoning would allow for a higher unit count and could provide more flexibility for future development, regardless of ADU policy changes.One potential benefit of rezoning before any citywide expansion is that it might allow you to lock in additional density rights ahead of any potential restrictions or revisions the city could impose when expanding the program.

Perhaps the East Asian hospitality industry provides full refunds no questions asked.