I think the short answer is, there are a lot of lenders out there so it's worth shopping around.I'd consider talking to a mortgage broker instead of to a bank directly, as mortgage brokers are aware of multiple loan programs from different institutions, so hopefully one will be able to fit your situation.On your general question about one full time job vs. two part time jobs, as a general rule the more you fit into the "standard box" (look like most other loan applicants), the better.So while I definitely wouldn't say you're out of luck - I think there's a lot of money out there chasing borrowers these days - your options will definitely be more limited the more you stray from the "single full time job you've held for a few years, or at least in the same industry" model. 

Let them know you want to work with them, but you are going to be shopping around. 

While sitting in a coffee shop today and reading the beginners guide to investing in real estate,  I read through the section on the real estate niches.

@David MarasowWe have two out buildings and one big shop, but none of them are ADUs.

It is about 1 hour and 15 minutes from where I live.Purchase Price:  $139,900Closing Costs:  $6,300 (I went with 4.5% here but I don't know the exact number)Interest Rate:  4.5% (Estimating)Term: 30 yearsLoan Amount: $104,925 (25% - I checked my local bank and they told me they required 25%, but I will shop around)Rental Income Total:  $1,650 (Based on BP Insights, rents are on the low end and could probably be increased)Property Taxes:  $3,880Insurance:  $1,000/yr (Overestimating.  

Samsung smart things hub with WiFi smoke detectors and a smart lock. 

Spend whatever it takes to get the correct respirator, prepare thoroughly, and clean up thoroughly(bought a new a shop vac just for this, with the special drywall dust bag and also a HEPA filter).

Feel free to reach out if you have any questions or want to talk shop.

She's young, smart, hardworking and open to real estate. 

There are some very smart investors in this group, so along with you, I'm excited to see what they will have to say