The other angle looks at this: is it worth to do 1-4 family loan using own private money without the outlook prospect of securitization?

They have lists of jobs and prospects.

How does this being ADU affect the resale prospects for this property?

It converts the nonrecourse debt of the mortgage to a recourse debt of the members where the bank can go after the members if the proceeds after foreclosure sale of the building does not satisfy the debt owed to the bank.This is a general explanation and there are many other factors that can change the outcomes.

Contractor's spend a LOT of time with prospective clients and these are hours that are non productive to the contractor.

Remember that a prospective calculation is only as good as the data you use and even if the data is great it is still only a guess.

:) Then start prospecting for your first deal.

That way if everything goes to hell, I know I won't be moving back in with the parents.Maybe it's just my area (Midwest) but I find it hilarious that the prospect of accumulating half a million dollars of real estate in cash is actually easier than going through the ridiculous process of crafting resumes and cover letters, submitting applications online which aren't even read by humans and are usually immediately denied, going through weeks of interviews, and maybe getting another miserable job.

The prospective buyer is responsible for all closing costs, search, survey, including those of the seller.

In my market you basically weed out 90% of the prospective tenants this way which is fine with me.