She knows rules and regulations like the back of her hand. 

@Cristian Escobar you are likely correct but you'll want to confirm which laws govern and ensure they are followed. 

I'd also search around the state government websites for a system similar to the GIS.

Currently working selling IT to the government. 6 Years W2 work experience, but looking to make the leap into RE Investing. 

So before anything, I recommend you find a GC who has experience in both design, regulations and construction of granny flats (ADU). 

The exact percentage is going to vary from lender to lender (unless you go with a traditional mortgage and that is dictated by FNMA and other government agencies).Your plan sounds doable.  

Remodel of space should be permitted and conform to any local regulations. 

It is also hard for a lender to quantify the value of "room and board" and as banks have to justify their loans to the government I think you may have a hard time to stick their neck out for you unless your room and board is somehow listed on your paycheck. 

It's really not something to worry about, so no need to sound the "big government" alarm.  

@Ryan Carter In California, no county will post the owner’s mailing address online because of the cited Government Code section.