Maybe it''s old fashioned pilot light equipment (that needs a match to get going)..

Then find ways to network with other investors in your area, build relationships, and start a partnership only when you've confirmed they are a good, safe match. 

That way you can match up one individual lender to one property, the lender gets title insurance and is named as a mortgagee on the hazard insurance, and you sign a promissory note and whatever the lien instrument is in your state (mortgage vs deed of trust). 

They just need the Articles of Organization to match the 401k, essentially saying there must be an LLC, to open the bank account.

So, if you are looking to borrow long term you would be better to maturity match and get a fixed rate second lien for the down payment funds.If you were going to use the line of credit to purchase in cash then refinance into long term debt paying back the line, then you could rinse and repeat, the variable line would be the correct vehicle. 

I'm confused on why the monthly payment doesn't match. 

We run a full credit/criminal and are looking to verify their identity and that the addresses on the credit report match what they reported to us on the application, credit score, payment history, number of open accounts and amount of debt, collections and judgements, evictions, etc.You shouldn't run a credit/criminal and just look at the credit score.

If not permitted and you apply for a conventional or government backed loans the lender may ask you to tear it out and return to match the zoning.

The ADU house is 5bd 3 (full) bath (ADU is 2bd 1 bath, wet bar and exterior entrance) everything is move in ready and the number match up ($999K, with the seller offering 10k towards CC or sell price to lower interest rate)but I’m wondering would it be better to buy a smaller Less expensive house and in a year refi and move into another and rent out the previous one?

I believe NoVA is all about home appreciation in the long term which kind of matches our idea of buy and hold.Thanks.