Using a service to report rent debts to Credit Bureaus can be very effective at recovering those debts because it can impact their credit report and score for years to come, typically 6-7 years depending on location. 

Hi Alex,You're right that what you do with the sale profits (like paying off another loan) doesn’t impact your capital gains tax treatment.

If the property is paid in cash and later a mortgage is secured does it impact the UBIT question above ?    

While renovations and other expenditures can be capitalized (and in some scenarios deducted) when you classify property as a rental, that might not be a significant impact if you intend to sell the property soon and can qualify for the 2 out of 5 year deduction for primary residences. 

One thing I didn't mention earlier, but came up again is the impact of CapEx savings.

What's most impactful about truly learning neighborhoods is the ability to identify a "C" neighborhood that has the potential or is actively becoming a "B" neighborhood.

Additionally, how will it impact the sale prices?

Reach out to the local tax assessor to understand how a sale might impact your future property tax bills and reach out to an insurance broker to get an insurance indication. 

Of course, the Federal Reserve's QT also impacts the supply side and can cause price changes that are not one-for-one with changes to base rates like the fed funds rate.I find it so interesting that you can have spread widening at times when rates are going down.

Make sure you know the impact that adding an ADU will have on any rent control.