The other options include: -moving into the property for a year to qualify for loan products such as FHA or conventional.

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.

I want to be more confident when reviewing loan documents.

There are safe financing choices for real estate ventures, including seller financing, hard money loans, private loans, government-backed loans, crowdfunding platforms, and traditional mortgages.

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.

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

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