美国采购需求：抵押贷款，批发贷款，非合格贷款/更优惠利率，轻松获得资格，顶级抵押贷款机构

I'm interested in developing an Auxiliary Dwelling Unit (1,000 sqft) and a Studio Apartment on my property for rental purposes. Additionally, I plan to establish a commercial kitchen for leasing. To kick off this project, I need approximately $350,000 to ensure positive cash flow. I currently own a $700,000 home, with a $350,000 mortgage, and I'm looking to maximize my loan-to-value ratio while exploring speculative lending options for these properties post-construction.