It expresses the relationship between a property's annual net operating income (NOI) and its current market value.

Keep in mind that for the first year the only income stream I have is about $1000 a month from disability.

if inherited can definitely do a refinance cashout construction loan with no waiting period based on the arv . no income no doc and welcomes first time investors . what are the numbers looking like ? 

Are you wanting an appreciation based market for wealth or cashflow to increase passive income? 

I'd also expect to pay 20% gross rents for it.

The firm I worked with in the past charged me massive fees, largely because we were higher income and they didn't back it up with value.

Long time residents can't even afford median rent because incomes aren't high enough.

However, it may be a smaller space with less luxuries (you could always take lower income and rent or airbnb out the ADU and live inside the main house).3.

Also, assume a regular job so I do not need extra income.

One issue is the challenge of qualifying, as conventional loans will have DTI requirements, income requirements, loan size limits, and loan amount limits that investors looking to scale a portfolio run into as soon as the financial freedom snowball starts rolling.