Or do you not really care about the property tax rate as long as the rent covers your costs/cash flows?  

So 1100/12k =.91 or 9.1% CoCROI and the 24k would be 4.5%.The mortgage broker  told me I can get into the home as a "2nd home" (for a lower rate) as long as I have 1 in each town.

The lender will look at your current income so as long as you can Porge your income, you should be fine.

As long as everything checks out you could offer full list subject to inspection of property and financials and look for something out of order.

Surface, non-expanding cracks in poured concrete is no big deal, same with stair-steps on blocks so long as they're not supporting a brick facade or shifting out of place.

With the right to renegotiate to longer period as long as both parties agree of course.

As for the interior, does it really matter what kind of door I get as long as it looks nice? 

@Matthew Forrest this is a new law for us here in CA so there is still some ambiguity in the process.The lenders we use are saying that they will lend based on the new income (as long as the ADUs are permitted) and essentially count the ADUs as normal units. 

California will allow you to utilize losses from rental activities so long as your income is below a certain income amount.

@Ryan Bonheyo Multiple mortgages will not hurt your credit score as long as you are making the payments on time.