Having a separate entrance or ADU was a necessity in order to get my wife on board. 

There are advantages/necessities when there are more than one persons, like a partnership, so that the profits/losses can be divided cleanly.

That is a choice that I have made because I can financially make that choice without too large a sacrifice (I will need to budget a little better but no necessities will be impacted). 

Enough to pay monthly bills and other necessities.

Right now I have 6 months of cash reserves for:All my properties My business (overhead + payroll)My personal expenses (bare necessities, home, food)Having this 6mos. cash reserve is great, but also not a fan of having this cash sit in the bank, do nothing and NOT generating cash flow from real estate either.

So I have 5 years of 0 expenses other than the basic necessities (insurance, gas, custody lawyer, kids, etc).So since I have a great opportunity here, need some advice on possible ways to take advantage of this.

@Matthew Aubert a well run HOA can have a value and necessity.

Now is the time to start learning about important concepts like lifestyle creep and hedonic adaptation that keep so many people broke all their lives.Many young people who grasp the financial necessity of investing early on in their lives still often never manage to get it together.

Having a RELIABLE team in each place would be a necessity.

My typical rule of thumb is make sure you get two things on auto pay - bills and savings. 50% of your money should go towards necessities, 20% towards savings which leaves you 30% for fun money.