This property cash flows before the ADU.Now im about to graduate college I make more than enough to live on due to having another profitable business with a partner though I have some major personal life changes coming  that will take a lot of my income but I will still be able to save an amount I am happy withIn this position where should I go?

ADUs, adding footage, major fixers. 

If you assume a VA loan....you will be using the bank that issued the loan.

My follow-up question regarding the fan is was there any previous issues with the ventilation in the bathroom that would justify their concerns with the mold?

CGL coverage will cover property damage, personal injury and  bodily injury but not many other issues that often arise, particularly during construction. 

Was the issue fixed?

It would be a residence, and most brokers won’t be able to fund it with a DSCR either due to the litigation issue.

I do think that a few of these big things will require a loan - the paving for that one multiplex is estimated at around $30k and the septic tank issue for the large multiplex would likely be even more.

The issue is now resolved.

Once you're actually looking to buy, aim to get a property with only cosmetic issues, in a decent area that doesn't have bad tenants.