In terms of the building requirements and ordinances, the property is located in Sacramento County, in an unincorporated area of the county and to the best of my knowledge under the jurisdiction of Sacramento County.

You will be shocked when you see how little management it requires.

In Arizona minimally you are spending at least 300k for a decent rental 3bed 2bath 1500 sqft and on avg at least 400k which is going to require minimally 100k down and closer to 150-200 if you want to cash flow where avg rent is the 2300$ range.

The buyer's agreement you make with the real estate agent is a legal and binding document that requires the agent to work for your best interests (fiduciary responsibility).

Buying a single family home in BC. where the average price is $976,400 would require an income of $194,087 and at 20% down you'd need $194k down.

We’ve gone through the process of doing an application and submitting the required documents, and our lender is saying our combined income is too low, even with a significant down payment. 

How much HHA pays will depend on a few factors like income, number of children, etc.Attend one of their online information sessions.

My town is pretty ADU friendly, is that an option (requires bigger chunks of cash or lending options)?

Should I use online services like LegalZoom? 

If you don't have one (the form), the are available for free download online.