As for painting the vinyl windows, go talk to someone at the paint store and ask them what it takes, and if you're going with a dark color on the body of the house, you can do the vinyl a darker color, they don't have to be bright white.

But even then, we humans will check and verify if we’re smart.

But, human nature is human nature, regardless of the industry.

Unlike the other lenders, Figure.com does automatic appraisal (without a human involved) based on public data and they treat ADU square footage the same as the main house square footage.

If you want to invest in a small town business (like a STR portfolio) it will pay to be connected or part of the bodies that oversee licensing of your business (self-interest). 

Checkout the Habitat for Humanity ReStores for good bathroom tile selections for 100-200 SF, small amounts, good quality stuff, not expensive.

No body is perfect but after working for the other two they could be close.   

They will be able to tell you the likelihood of the exception being approved, timing & cost from application to approval, how the approval body would respond, etc.

Either way, I don't think I would want any potential "human DNA" left behind on any furniture in my house.

Does any body knows, What is a passive investment opportunities?