@Bruce Clark Essentially what the seller is saying is that the property won't qualify for traditional financing.

A traditional lender (bank or credit union) will account for your monthly expenses, including taxes and insurance on all real property.

I am not an expert but I have looked into converting a traditional driveway (pull in, back out) to a through driveway (in Poway, not in San Diego). 

The beautiful thing about cash value is that it can provide about 2 to 3 times the income of the same amount of money in a traditional retirement account.

The tradition on the crew I worked for (my buddy's business) is they took a sack lunch to work Monday through Thursday.  

Second, if the person actually lives in the house that you (the owner) also reside in AND is the only other person like that in the home, then you don't have to go through the normal unlawful detainer process that you would for a traditional tenant (assuming the property is in California where you're located).  

We are acquiring some buildings 20 units and getting insurance has been a challenge.We are traditional investor buy and Hold?

I may also qualify for a lower down payment with traditional financing given this purchase may not be defined as an investment property.Does anyone have any experience owning a single family home with an ADU as an investment property?

A traditional lender will never give cash back for repairs at close.

Upon some further research I found;The traditional Roman fasces consisted of a bundle of white birch rods, tied together with a red leather ribbon into a cylinder, and often including a bronze axe (or sometimes two) amongst the rods, with the blade(s) on the side, projecting from the bundle.[3].