The reason must be base on an objective, non-discriminatory selection criteria.

Would love to help you find your first deal in your home city, let me know if you need anything!

To break down the math:Purchase price expected: 500-600kDown payment: I am a first time home buyer, but I can go with 15%. 

Home Improvements of 50K and is Rented.

Each option has its pros and cons, and I'm hoping to get some insights from this community to make a more informed decision.Option 1: Building an ADUPros:Increased Property Value: An ADU can significantly increase the value of my primary residence.Control and Proximity: I can closely manage and maintain the property since it's on my land.Potential for Higher Rent: ADUs in bay area can fetch a good rental price.Flexible Use: ADUs can serve multiple purposes – home office, guest house, or rental unit.No Additional Land Purchase: Utilizing existing property means no extra cost for land acquisition.Foundation improvements: I will get an upgrade for my foundation which increase house stability.

Project was completed and home was marketed and sold within 30 days of rehab completion.

So even though I could qualify for new financing based on the anticipated rental income of this new house across the street, I don't have enough saved for the 25% downpayment anymore. 

With you being out of the US, they may not want to cover over a Canadian Home & Auto.   

I ran the spreadsheet that @Scott Trench has on the article "Millions of Americans Should Keep Their Homes as Rentals, Not Sell.

Talking to friends and family about how much I love real estate and I was looking for homes that needed love How did you finance this deal?