I know that style and tenants will eat that top, drawers, and doors for breakfast.

All they are doing is adding additional costs and getting zero protection.

It’s easy to manipulate projected returns by making a few small adjustments in the underwriting and proforma.There is nothing guaranteed with any investment.A few additional comments:1. 

These are professionals with additional training and a stricter code of ethics.

Finished basement as well with additional room (and has the additional bathroom). 

(The exception would be the rare deal where the property changes hand for a price far below real market value).The sub to or wrap adds a certain degree of ADDITIONAL risk of failure.  

I'd love some help additional set of eyes or insight on features and capabilities.  

This home is not a luxury home so the insurance route seems overkill.2) Buy a worry free waiver and add it to the booking rate?

- We had 2 break-in & furnace & HWH thefts there this year:(File a claim ASAP, you'll need:1) Utility bills to prove electric & gas were on2) A police report, proving a break-in3) Pics/video to prove the condition of the property to support theft claimWhat are you doing to mitigate additional damages?

Worst ADU addition appraisal occur where there is no zone MF in the vicinity.