Depending how much you earn you can step up those savings by getting a side-hustle.

Depending on the interest rate and points, this might require a broker.

I wish I could afford California because it is where I live but housing is so overpriced none of the rents wouldl cover the mortgage let alone pull in any cash flow.

I live out of state and would give it to a PM. 

If buying a rental property, there are investor programs depending on the investor's home country.

This is something I can provide, depending on a few circumstances, shoot me a message, thanks!

This is really killing my optimism for the property and even ADUs need to have primary owner living on site. 

I will be moving into the 1 and 1 and remodeling while living there. 

But it can be done and whether you'd do it, where, what kind of properties you'd buy, ... will depend on your objectives, financial resources, knowledge, connections, ...Also, opportunities can be very different from country to country and within the same country, as it is within the US.Financing could be different, when available, but a 100% cash investment can be more profitable than in the US, especially given the high interest rates.My best advice is to be clear about your objectives and narrow down your options.

Plumbing/electrical etc are just repairs< same as if you were living there.