look for the signs that say "we buy houses "  .

Side note on why some DSCR loans report to credit: loans get packaged up and sold to large servicing companies after closing. 

My mortgage would go up $781 for the next 30years,  the ADU income would more than cover & I hope to pay extra principal to cut my loan time -it's just I was hoping to pay off ADU within 5.5yrs- so that I can collect 'all' ADU income at that point <I'm fixed income & I lose 'some' personal income in 5yrs so trying to plan ahead on how to recoup that>.

A lot of the projects that are going on here aren't finished yet and new projects and developments are popping up all the time.

Have your borrower sign this document upon application and then again at the closing table.Never use a 1003 Uniform Residential Loan Application.

If I had to come up with the down payment, closing costs, etc. it would be tight, and I worry that I wouldn't have enough working capital.Thank you for your help!

@Mac Macaul I'm always up to grab coffee or lunch and talk real estate investing!

So it's just extremely unlikely that you'll be able to generate a return that would justify paying the taxes in 1 or offsetting the interest you'd pay in 3.If you save up and buy a traditional LTR at or above the median price, you'll likely be break even or negative. 

Know this - kickbacks and other forms of paying for referrals is illegal for lenders, but many realtors and lenders skirt this in gray areas like a lender sharing marketing costs with realtors and in other ways.

There is an $80,000 assignment fee so we ended up paying a bit more but our only down payment towards the building looks to be 30k.