That being said real estate investing is typically a long game and with just 2 years under your belt you’ve just started.

However, tenant insurance is typically intended to cover personal property and liability for the tenant, not the building itself.

At the risk of taking flak here, I'm going to say I've seen a lot of super cute stock tank pools that are low-cost options. 

Out of state investing in cities within a reasonable driving distance may be a good option. 

We would offer more of a budget-friendly option which could include FB marketplace/goodwill -Manages furnished rentals (STR/MTR) for investors.

Everyone we have spoken to only considers short term rent as an option.

Your best/safest bet would be a regular lease combined with an option to purchase.

Keep providing value add options for your owners & they'll keep knocking.

Repurpose the money into a variety of different options.

of those I like next door best because it is hard to fake and the reviews are easily tied to a reviewer in your community.The costs of ADUs vary significantly for various reasons including by ground up vs conversion, difficulty with lot (sloes, access, etc), finishes, and even the size (bigger typically have lower PSF).Good luck