@Troy Smith- thanks   1) you can  buy a rental proeprty with 15% down if its a  1 unit ...you will need  25% down if it will be a 2-4 unit  2) your 2nd question isnt clear ? 

Thank you!

It is one reason that leveraging under utilized zoning to add a unit is often a better option than the ADU addition (the appraisal associated with ADUs being the other).You can always search for the other finance options (owner financing, rent to own, commercial loan, etc.).Good luck Thank you Dan, figured as much. 

Thanks for sharing your views.

Thanks!

Thanks Tyler, I really appreciate the response.

Thank You very much.

Thanks.

Thanks everyone. 

Thank you so much!