At least here in Denver and Colorado Springs, there are certainly homes woth walk-out basements that could be rented out, but there's also a style of home from late '50s, early '60s that have a back door that goes straight down into the basement or turns into the kitchen.

Option (a) above, but hand the bank some steam-cooked carrots instead - Bugs Bunny style.

With a bit of decor and management savvy you can easily be in the top quarter or even 10% without needing to build a waterpark in your backyard and bring in influencers for your photos. 

I do a lot of Condo Associations and I'm having more and more trouble with having companies having to cover such a big property amount in say an acres or 2 of land mass.2. have no idea3. not sure about regulatory barriers because there have been plans done through employers or associations where they'll give a specific discount, let's say 5% overall to the employees they can write but that being said those clients typically don't live right next to each other, have the same age/style/value of home and they still have underwriting guidelines they have to go through that can generate rate or every deny the coverage.That help at all?

Duplex in West Adams area.Asking $830000Spanish style house on a nice street with similar houses, mixed single family and duplexes.2 units total, 2b/1b and 1b/1bAbout 1600 sq feet totalI think 2 bedroom could be rented for at lest about $2500 and 1 bedroom for around $1800-2000.I will live in one of them though.Also has a 2 car garage which can be converted into ADU.Has parking plus street parking.Both units need reno.Considering that all units need renovations and I will live in one unit and rent the other and that at some point I will convert garage into ADU. 

@Jordan Fujan Banks will offer a commercial loan structure on DSCR style loans but nation wide business purpose lenders (not banks) are the ones who offer 30 yr fixed terms.

They're about 1.80 a piece of mail, but they're handwritten and sent on greeting card style stationary. 

., definitely string lights somewhere that makes sense, and other decorative accessories like plants.

You want that tougher enamel-style stuff for base and casing.So it's still 2 paints, but 1 color and finish.

.)-- Not sure of home styles in Orlando.