Even if you do find a lender that will use the appraisal that incorporates the ADU just know that the value will either help with getting a larger Heloc or it might not do much to help your case.

I've looked at a few old ones, but none were super user friendly/incorporated interest from the HELOC properly :(Despite what the math says, this is so seductive. 

THere is no template, most would probably use chatgpt but also be careful to not incorporate any contract terms etc. 

And time freedom still incorporates working.

And in the case of the company we are talking about here its the opposite they describe these the complete opposite I know you won't look at their marketing but I just about fell out of my chair the few minutes I watched it.. unbelievable  but that's their opinion I guess but its not in any way shape or form based in reality of the asset at least in my 20 years of working with them. 

Additionally, by incorporating flexibility into its use—potentially housing commercial tenants during repairs at another property—I enhanced the strategic utility of the investment within my broader portfolio.

I think that there's a spin to your post that needs to incorporate the idea of being "welcoming" and "encouraging" of every member to pursue the long-term benefits of real estate responsibly, even as we of course do not want to encourage irresponsible real estate investing decisions.Curious to hear other's thoughts here. 

So I was playing musical chairs with them much as you might with credit card balance transfers.  

My student housing is fully furnished: beds, dressers, desks, pots pans, silverware, couch, chairs, everything. 

Here’s a breakdown to help you navigate your first deal, incorporating advanced strategies, including 1031 exchanges, to attract a broader range of investors.Neighborhood Recommendations: Chicago offers a diverse range of neighborhoods for different investment goals:Wicker Park & West Town: These areas are known for their strong rental demand among young professionals and offer good potential for cash flow.Lake View: Ideal for attracting tenants who want to be close to downtown while enjoying local amenities.The Loop: A prime location for high-income renters, making it an attractive option if you’re planning to house hack and generate a steady stream of rental income.Property Types: Opt for properties that align with your investment goals.