And that can cost you time and money.

.: Most Hard money likely will not be interested due to owner occupancy (OO).  

Also, after a year, the mortgage hasn't been paid down by much, especially if it's a 30 year mortgage.The only challenge you may run into is if you purchased it using a low or no money down mortgage option like FHA or VA lending.

During this time you are not generating any return from the money invested in the ADU.

So, that was a waste of time and money, right?

and if you don't have enough money to house hack in San Diego... save up until you do.and if you want to move somewhere else, house hack there. 

So if they can get guaranteed 5% interest in an account they can get their money out of at any time they’ll want 8-10-12%. 

Luckily I have not spend any money on any "guru" courses.

In this case, would he actually need to pay any money for the down payment, or does it basically cancel out in the debit/credit line items?

I do pretty decent for my age, and I live at home still, so I've been saving up a lot of money.