Normalize accessible design so it's functional and welcoming for all.

So if at death it is worth $5m, and of that $5m based on the waterfall agreement you and your sister would get a combined $800k - that $800k does not get stepped up, just the $4.2m that belongs to your father does.If your father is subject to estate taxes, and there are substantial discounts taken on the valuation of partnership interests in his estate - that cuts back on the step up, but it saves steeper estate tax, so it is a worthy trade most of the time.

It ties into your great grandfather’s troubles during the 1932 depression; your grand parents ability to purchase a home in 1953 for $100 down with a VA loan, and your own psychological well being at having to have a percentage of your income going to pay debt each month.However, unless debt is so debilitating to you that it keeps you up at night and inhibits your ability to make rational decisions, the decision to pay off debt early is merely a function of numbers.  

. - Wife and I never made over $150k combined- Buy and hold is the primary strategy- House hacked twice- Took some major hits along the way.

Combine this with poor ADU valuations (especially in single family zoned areas) result in hands off ADU additions costing significantly more than the value they add.  

Net net, I think it offers a product that is 80% as good as the best accounting software and 80% as good as the best property management software, but all combined into one.

That level of cash flow, combined with the appreciation potential, could definitely be attractive to a new investor, especially if they’re interested in STRs.

@Joel BetancesThere really isnt anything to do here, you can ask your lender about the combined $1500 in processing and underwriting fees, but appraisals are running high right now.

In your opinion, would you choose Section 8 over Traditional or Traditional over Section 8 or a combination of both?

The safest bet is to try to get a variance from Union City. though clever, your combined unit lease agreement would likely cause trouble if ever scrutinized by the Tenants or the municipality.