I think books and and podcasts undermine the ability to communicate respectfully and to bring something to the table, or at least a good attitude and consideration.

Quote from @Chris Seveney: @Orhi TahiMost homeowners have equity in their property If your home is worth $400k and you owe $200k and have a 4% mortgage - your mortgage is cheaper than rent - so why would a borrower let a bank foreclose when they can just file bankruptcy, keep the house and restructure the debt  With all due respect, you don't "just file bankruptcy, keep the house and restructure the debt", regardless of your equity. 

This will sit between conventional loans and hard money with respect to terms and underwriting requirements.Hope this helps.

The respect is mutual, and here's to both our ventures navigating the tides ahead.

You respect them, and hide from them, but you just live your life.  

Rose, I hear what you are saying with respect to the interest rate.

In addition to this, you should be able to find zoning ordinances and/or specific building codes that the city requires or has adopted with respect to what they allow or do not allow for ADU's. 

Respectfully, it isn't always that cut and dry.

Finally somebody that can leave respectful and relevant feedback.

There is often a difference between the two with respect to what interest of the debtor the auction purchaser acquires -- that at the time of the recording of the mortgage (foreclosure) vs. that at the time the judgment was entered (sheriff).