And even in the good days, they wanted some skin in the game. 

For the beams, joist and rafters, you may have to support them in various ways.

The plan remains the same now as it did years ago - generate revenue from the W-2 job, use the capital to support our LLC properties should we see the need for repairs or defaults occur on rental payments, use the capital to find deals as they occur, and avoid becoming over leveraged.

The more experience and support they have the better.The vetting of their financial history and reserves are the same as any other lease.  

There are a lot of information and supportive members here to answer your inquiries. 

We will continue to support - and encourage all members of our community to support – steps to protect our community from this pandemic.

Then you have appraisals this is critical a great agent will have supporting documentation to give the appraiser .. buyer and sellers they would not have a clue how to do this. 

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.