New from SF East Bay, CA looking for ADU/live in flip/travel tips

[Missy Longshore]

Hi! I'm new to the Bigger Pockets Forums by way of the Bigger Pockets Money podcast by way of the FI/FIRE movement. I've owned my own business for 6 years and I work from home in my 859sf 2br/1ba San Francisco East Bay home I bought as a foreclosure with an FHA loan. While I love my place, I still owe about $23k in student loans at 1.75% interest and $300k on this mortgage and I'd like to continue to build my wealth. I'm looking for tips in three areas:

1. Building an ADU in El Cerrito, CA. Prefab ADUs come in around $100k but I'm hesitant to take on a lot more debt. What can I get that's between a shed and a tricked out high end one where I'll get a good ROI? Will this increase my property value or should I just think of it as a rental unit/place for me to live while I rent out the main house?

2. Live in flip: I could convert my home from a 2/1 to a 3/2 (there's a stand up basement, unfinished, in my home. How do I begin thinking about whether this would be worth it? Where would I live - it would be tough for me to get another property for under $1M in this area?

3. Travel rewards: Thanks to the FI community, I just earned my first 90k Chase travel rewards and I'm looking for someone knowledgeable to help me find the best way to redeem them for a trip from SFO to Geneva in Feb. 2019. Any suggestions for that and for how soon I need to redeem or to find if there's a travel partner with a good route/mileage bonus I should redeem through?

Thanks so much!

Missy

PS. I also have lived in Spokane, WA and could think about buying a rental or other property there in the long term so if anyone has stats on that as a market that would be great. Thanks again!