Yes,   Seattle's city wide zoning change affecting SFR zoning basically converts most lots into potential triplex sites:   The main home, one or two ADUs,  which can consist of two attached or one attached and one detached.   

We only manage A/B detached single family homes so we don't use Hotpoint.

A lot of this depends on your loan pre-approval amount and the affordability of each of the neighboorhoods you're looking at, but as Seattle and surrounding areas are very friendly towards DADU's & ADU's it may be possible to get a home with multiple living spaces - so rather than a 6 bedroom house, you get a 3 bed 2 bath house with a 2 bed 1 bath ADU, with the potential to build another 2 bed 2 bath detached ADU in the future.

It is not built yet but I have a lot in Everett that allows for a single-family home and 2 Additional Dwelling Units (either attached to the SF home or detached, duplex style).

Note that if you own the entire building, many of the legal obstacles for running an airbnb go away.

I loved your perspective on this and how you have been able to mitigate some of the largest obstacles in owning properties in low income areas!

But you need to conquer the FIRST obstacle.

The main house is an SFR of 1070sf, and the 2nd unit is a detached ADU of 560sf.

@Troy Smith you did not really ask for advice but I thought I would tell you what I would do if I was young and starting out with military benefits.I would house hack a detached duplex in the area you want to live (in your case San Diego)  leveraging the VA loan. 

The ADU/DADU units still have to be 'junior' to the main house (smaller in terms of sf,   I think the size cap is ~1000sf) and there are rules around detached units as to their size and positioning on the lot.