Rarity isn't always the best thing especially if demand for this property type is low in your market.The reason I am bullish on adding ADUs is because I don't think the increased demand for ADUs is unique to New York.

. - I asked for 3 months' bank statements and have about 20k liquid- 16 derogatory remarks on credit report- (I feel dumb for even asking considering this)Here is the kicker:- they own a restaurant and already said "How would you feel if there were occasional workers that stayed here?"

It also has low-entry price points where you can be all-in on a single-family house for under $100k and still cash flow.Happy to chat about my experience there or send some resources that might be helpful.

But your overall income is low enough where it would not make a dramatic enough impact.3.

If multiple lenders hit my credit report at the same time [during the same week] will it be considered a single credit pull or multiple hits?

The main reason of buying at a low downpayment is to leverage your money so you can use the extra capital elsewhere. 

Wesley,Seller credits or seller contribution to closing costs is usually common when the buyer is coming is closer to full ask.

Does it look at all 3 credit bureaus?

A lot of the time it depends on the actual credit score, the age of your credit, or the inquiries/events shown on your credit report. 

I listed my home for rent and after 30+ days of reviews and home tours signed a lease on 3/30 with an individual who met my preferences for financial/credit history but could not move in until end of May.