The short answer is it depends on the loan program and how the ADU is classified, so both lenders could be correct.

The tenant is part of a project Independence program where the lease is with Catholic charities and the person living there is the subtenant.

I don't have experience with such programs.

we still have programs that are 90/100 and even up to 100/100sometimes we can do no appraisal.

What are you hoping to get out of her program?

I hit a snag and need lender intel:I’m looking for a DSCR cash-out refinance program to pay off my hard money loan (or similar financing) that will allow me to use the appraisal value only to determine LTV — not the lowest listed price.

.- Some voucher program pay a holding fee to the landlord.

It is a corporate housing arbitrage mentoring program.I'm about to sign up but wanted to do my due diligence I want to check with people here if this is legit and if the program is worth the money they as asking for.

@Kate Luna - I've been a part of a few coaching programs as well as masterminds.

Our "as-is" program.