Which helps me 'confirm' the validity.  

@Tejani Jeet BhaveshThe debt does not go away it is just unsecuredIf you are a borrower and get foreclosed on if the debt is not paid off it does not go away - it is just unsecuredOnly way for it to go away would be pay it off or bankruptcyYou are seeing a lot of articles on zombie loans where people lost homes or kept homes but were underwater and old mortgage lenders are coming back after them as the debt is still valid and they thought it went away

As a private money lender, I will ask questions to validate the numbers. 

There is no need to pay for gas and pay it off... it's mostly myths that people have come up with over time.If you have a zero score it's because you do not have any credit or the credit that you do have is less than 6 months old... more likely is less than 90 days old.Now, if your intent is to get approved for a mortgage and all you have is one prepaid credit card you are not putting yourself in the best position to secure a loan approval.I usually recommend 5 Tradlines or 5 separate accounts reporting to your credit.The best place to start, even before starting to get credit cards, is by going on the app store on your phone and searching "Build Credit" .

Is there gas service to the ADU?

I'd prepare drawings showing dimensions, locate outlets for example electric, water, and gas) drawn in, etc. 

Yeah, there's a whole bunch of things I could deduct such as a home office, gas, etc.

I’m totally new to this and this was something I heard in passing, so I’m looking to understand if there’s any validity to this and, if so, how does one go about setting it up?

Additionally, 14B-2-202 Defines a Basement as:“Basement: A story that is not a story above grade plane.”Additionally, 14B-6-605 notes:“Except in buildings of group R-5 occupancy, floor construction over basements shall have afire-resistance rating of not less than 1 hour.”This means that if you are Very close to missing the 7'-0" mark, you can leave the ceiling unfinished and measure from the floor finish (a thin LVT or Vinyl tile would be recommended) and the Underside of the Joist.Note: Rooms containing gas-fired appliances (i.e.

You need to validate and do your research.