The loan officer didn't care about the LLC, just said there would be additional papers to sign.

I rented out the additional bedrooms to friends and family, charging them well below market, and sold when it was time for my wife and I to start our own adventures.

The loan will be on the additional collateral you created.

Let me know if I can provide any additional tips or resources to help.Best regards,Sadler Surratt 

So ultimately we decided to suck it up and not take on the additional equity, which ultimately required us to take more time on completing the needed rehab, however in hindsight it was a good decision, because even just among our own family there's been lots of dispute on what we want for the business plan and personal STR useage....

In most single family zoned areas adding a single ADU is not a value add meaning it will not add more value than the hands off cost of the addition.  

Business should start to extend only because there is nothing left to eat in the market not because you are losing in the competition. 

I would appreciate any insights and additional things I may be missing.

Keep existing and add an additional -~2000 sq feet 3.

This is straight from the CFPB website: "Additionally, for 60 days from the date your loan servicing transfers, your new servicer cannot charge you a late fee or treat the payment as late if you sent it to your previous servicer on time or within the applicable grace period."