If this is a must have then get a private loan where they don't ask as much questions, hold on to it for a couple months, then refinance with the traditional loans.

After the ADU was built I was able to refi and pull out 80% with a traditional loan and another 10% with a HELOC , and was able to pull out everything except the original down payment (60K) but it was well worth it because of the tremendous cash flow I have on the property.The main house rents for $3700/Month the ADU sections are renting at $1,800 per unit  including utilities(there are 3) so the property is grossing $9,100. total utilities, water , gas & gardener expenses are $400  per month (I have Solar on the property , so no electrical bill).

There are multiple non-traditional routes you can take to make a deal work especially in markets like we have here in CO.

so most money for an Actual seller is still traditional MLS and negotiate commission.

Look for a financial partner who is familiar with traditional lending as well as more out-of-the-box options like hard money and private lending.

The stocks in my Traditional IRA had fallen 50% in price, which meant I could convert the portfolio to a Roth IRA for 50 cents on the dollar in terms of the taxes I had to pay (such a conversion is a taxable event).

That means you establish a Traditional LLC to carry out the operations of your investments, in order to separate the liability from your assets, including: paying property management, paying contractors, collecting rent, marketing, etc.

*There is a built in-Roth component whereas IRAs are either traditional or Roth, not both.

Typically, with traditional loans, lenders will want you to close one before starting the second.

@Charlie MooreSection 8 pays a little more in my area but to get tenant in takes a few weeks opposed to a day or two with traditional tenants.