i.e. if you had a $190,000 hard money loan on House 1, you'd be able to get 80% LTV no problem with no seasoning requirements as rate-term refi

Along with the FHA loan, check out the loan from the Neighborhood Assistance Corporation of America (NACA).NACA was formed in 1988 and provides an affordable option for potential first-time buyers:✅ No down payment✅ No closing costs or fees✅ No mortgage insurance✅ No consideration of credit score✅ Below market fixed interest rateThere are several requirements to be eligible, starting with attending one of their workshops.https://www.naca.comI wish you all the best.

Can transfering the title to a land trust help overcome the owner occupancy requirement on JADU

Some cities require the STR permit number in the title or very top of the OTA listing so city permit  technicians can scan and keep track otherwise the owner will be contacted and fined for forgetting or shut down if operating illegally.Some cities have a 24/7 STR hotline dedicated to receiving any complaints (from neighbors, HOA) for a code compliance officer to act onSome cities issue expensive fines for those operating without the STR permit

You really want to buy the lot, the floor of these physical assets is the land value and that's how you got to take a look at them.  

@Jonathan Firouzi some cities have additional requirements, so check with your local laws too, but here is a link to the state law requirements for pools: https://www.azleg.gov/ars/36/01681.htm

The General Contractor doesnt do the physical work .

For one tenant that had a cat (inherited tenant and the only cat I've allowed), I had to soak slab with enzyme cleaner, didn't work well, then soaked in vinegar, replaced subfloor boards upstairs, replace trim all around flooring -- it's a huge undertaking requiring multiple applications.     

He has a 5.5% rate, which is assumable, but FHA guidelines would require owner occ. 

Hey again Greg, Antoine here (BP requires me to give this intro every time).