This is not uncommon and I think anyone expecting to refi after adding an ADU should be very confident that they have comps that support their expected valuation. 

One lender said I don’t have the personal income to support this (150-160k).

So long as you can support the payroll data with documentation and you certify honesty; and subsequently use the funds to continue paying your employees, the same amount you are listing on the application, then your loans will be forgiven.

You can use the rental income to support your loan, the way the investment is supposed to work!

I recently found Roofstock and its cloud house rental calculator which is pretty close to what I am looking for (https://www.roofstock.com/cloudhouse).A couple of things that are missing:- good support for multi family properties, rent estimate doesn't seem to take into account the fact that a property has multiple units- it would be nice to have to search for properties based on cap rate directly from the MLS, I know this may be a conflict of interests with their business model though

@Matt Leber - thanks for your support!

John Krasinski (Jim from The Office) recently created a Youtube channel where he only talks about good news/feed good stories.

Is the location able to support a downturn in the market or will people start to mass exit the area?

However, when you need support for a complicated fix- the customer service hasn’t been great lately.

If you want to support a local business, I would either search them via google or call local sign shops.I paid $5/hr and $2/perI hired a neighborhood kid who was looking to make a little cash.