Sorry to jump on the back of this original post but I have a follow-up question to this response.

Those holding cost will certainly add up over time and kill any cash flow.

You can use HML don't get me wrong but if you just put a little bit effort in to pre-planning and getting all your ducks in a row then going with a traditional community bank would be a better option not only for your current new construction needs but also for future acquisitions.

Quote from @Nicole Heasley Beitenman: I'm coming up on my first year of operating an MTR.

Let me know if I can help you?

Stuff happened.If I were to sum up the one thing that I think investors aren't doing enough, it would be getting real-life reps.

I buy real estate but I carry debt which is actually tax deductible, my money works for me.

Subsequently I ended up buying property in 8 states, and a couple weeks ago bought 5 properties in 5 days in 3 states.

I don't hear too many investor doing ground up multi-family for house hacking in the area, so this is definitely interesting.

I am on the Neighborhood Building Owner's Alliance weekly calls, and we had this ADU issue come up.