Right now I’m waiting for my VA Consultant and my builder to get approved.

I have a colleague in LA who flips SFR's in the $800k-1mill range (with ADU's and they have never came in under valueFHA loan guidlelines do not give detached ADU's value.Though ADUs produce income, lenders cannot use the income to assist with approval as they can rents for a duplex.

Not here to complain but to post and see if there are any solutions to the obstacle I have:Was Pre-Approved for 300K Multi-family home & 200K single family home.

You can also add something in your pet criteria that states nothing over 40lbs, no breeds that are considered aggressive, must be approved by landlord first.

Loan amount for Fannie small balance starts at 750,000 and only certain approved vendors offer this product.

My concern is that most of them want me to get a pre-approval, which is understandable but I have not even seen the house and do not know if it’s worth running my credit.

I'm ultimately just looking for some sort of advice; or maybe even just a nod of approval that I am on the "right" track.

Mortgage is approved. 

You'll need multiple pre-approval letters and credit checks if you try to compare rates.

If you have specific terms and parameters for the leases you can make that a condition of the deal including the right to approve all tenants and leases.You can also drill down on any construction finishes and quality specs as well.