If your lender hasn't mentioned it to you yet, look into some of the new CALHFA programs.  

As an owner-occupant of a building with 4 or fewer units, you will be eligible for pretty much all of the standard residential mortgage programs.  

Kent C's. program?

And bonus question, if I use a HML to fund a project, how long do I have to wait under FNMA guidelines before I can utilize their cash out refinance program against the ARV?  

My escrowed mortgage payment is $918 without any tax deductions or local homeowner programs which will come into play after the new year, my mortgage officer said it may fall to around $850.

I'd also look into what kinds of development fees will be levied against your project by the authority having jurisdiction -- ADUs under a certain size can avoid some of these fees.The CalHFA $40k ADU grant program could also help cover some of the pre-development costs for an ADU.

I recently attended a 3 day REIA seminar for free, only to discover on the last day that in order to join their program it would cost $60k+.

What programs do you have in place to keep residents happy?

You also get rebates for the install through a program called Efficiency Maine which is funded by a Federal Grant (I think?).

@Usman GoharHome Depot is qualified to do work under the FHA 203k Loan Program but FHA requires the GC on record to sign the HOCA (Homeowner Contractor Agreement) and Home Depot refuses to sign the HOCA.