I was driven through 38111 zip code by a local, @Alex Craig and he explained street by street how different the houses, tenant base and rents were.

There is a world of difference between $50k cash flow unleveraged and $50k cash flow from a highly leverage property.  

However, is it possible to build a primary residence with an ADU?

This criteria is for 1-4 and 5-8 unit programs.I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

What makes you different?

Holders of those loans may never sell their house since the cost to buy a different similar house would be astronomical, and unless a move was absolutely needed, they just wont sell.

I think each type of lien is different in each state (HOA vs.

Does your company offer any HELOC products for primary residence/house being hacked property?

Local to my primary residence.

@Jacob WohlgemuthHey Jacob, to @Manny Vasquez's point, whether she qualifies for the Primary Residence Exclusion or not will be the primary factor on your tax question.