Build with an additional dwelling (detached casita/studio or in law suite)3.

Hi, Planning to build an ADU (Accessory dwelling unit) in the back, On top of my garage.

Only a small fraction of human communication is the words themselves, you just loose too much with written word sometimes. 

For some unknown reason you were tested today, you saved a fellow human's life, and showed what you are made of under pressure.

Get a SFR and roommates, or a SFR with a separate rentable portion (aka a "mother-in-law suite" or accessory dwelling unit) and you'll be subsidizing your own housing cost.I only want to buy in an area that i would live in myself, i dont have high standards but i dont want to live somewhere of poor quality or in a dangerous area either. 

If I were in your position, I would sock away as much as humanly possible.

But frankly, buyers are human and not completely rational, so the best you can do is guess what someone else is going to be willing to pay and pad your numbers.

A dwelling with lots of drywall holes will burn markedly faster than one without.  

(NOT a dwelling unit)?

On one hand you want to be humane, but on the other hand bad tenants can make your life miserable chasing them for a few hundred bucks.