My prediction was flat for the year, but I think we may see 3-5%. 

It's a flat amount charged per day that rent is late. 

Is there another cheaper flat material i can use instead of fiberglass inserts?

Think like a guest: you don't want your socks to turn black while walking through the house, have a crappy mattress with flat pillows, rough sheets, not enough paper towels or toilet paper, bad wifi, etc.  

Several methods come to mind for the ADU.   1) a regular or periodically adjusted flat fee (based on an estimated usage); 2) factored into the rent (essentially the same as a flat fee); 3) percentage proportionally based on sqft. 

@Julie Marquez In the past I've hired a builder on a flat rate to build whatever it was I wanted, and that's worked really well.

I would be tempted to try behr scuffproof in flat.

How are you going to refinance before the grace period is up.In the past, when I read people on BP or hear stories of people using credit cards for real estate and then share their story of how they defaulted or went bankrupt, my response is usually not very polite and it is somewhere along the lines of "oh really, would have never expected that to happen", and it goes on the list between rubbing a polar bears belly and getting mauled and sending $1M to my nigerian cousin in order to collect my inheritance and not getting anything back.

The building has a flat roof also so the attic units would not look much different than the lower units.

Don't move away from the grill and flip the patty every 90 seconds"lolMy fire in the belly is always burning mate.I can take the hit's and happily turn the other cheek and say "Do this side now".As biz owners we get paid the big $$$ to take the hits, so it comes with the job.Just happy to share some behind the scenes mumbo jumbo that we put up with.I got Dingo Deals falling out of gum trees hahaHappy Saturday Margarita Day (Was 2 days ago but who's counting hehe)