. $1200 for 150k loan).

Negotiated a private loan with 3% interest for 20-years with a $90k selling price.

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.

The reason for this is, my understanding is I cannot loan a down payment?

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 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.