Ultimately the true cost of acquisition and investment will need to be disclosed and assessed.

If the goal is to retrade after contract and prior to COE, you might have a shot if there was some sort of egregious delay on the seller side (e.g. on a recent project I had a dozen buyers stuck in escrow for nearly a year longer than expected due to issues with utilities), but even then it's a long shot. 

There are dozens of zip codes and hundreds of streets that are fine places to invest in Metro Indianapolis. 

The county then comes in an assesses value based on purchase price and adds CDD fees if they apply and any non ad-valorem taxes.

For those of you using a property manager, if there is a late fee assessed for late rent does your property manager keep that fee or remit that to you?

And every year there're dozens of repetitive threads on this forum asking/debating/complaining about the CPA charges.

If you remove this covered peril, you're removing wind damage coverage to the entire building, and not just the roof.Your assessment of the deductible seems accurate, but I can't speak for the replacement cost of a new roof. 

I was just prodding to see how other people assess their returns in the current market.

That said, I do want to respectfully offer some counterpoints to Dan's assessment that may provide a broader perspective on the value and feasibility of ADUs.1-2.

I have lived OOS (and know dozens from around the world many from Silicon Valley) for 10+ years and have a team in place.