There are many reasons that adding a single ADU in southern CA is a less than ideal RE investment (i will post a list at the end) but the negative initial equity is a primary reason as the initial negative equity position consumes the initial cash flow and can take many years to recover.As for converting your home to a rental….

@David Oh you can either offer a bonus based upon specific KPIs or based upon profitability.

everything on and off market gets multiple offers almost immediately. 

DTI ratios are generally used in consumer/residential (aka primary) mortgages when the property is in your personal name.

On another note, just because your offer isn't close, as you said in your narrative, doesn't mean you're wrong with your offer price.

They are asking $375K but not getting it - so not quite $20k underwater from asking but they're offers so far are around $350k and lower.

Plus, its central location means you’re never far from the action.The Perks of Furnished Monthly Condo RentalsA furnished condo rental offers the perfect balance of flexibility and comfort.

Being that rates are up it's another way to offer exatly what you mentioned; the chance to own for a couple hundred bucks more than renting.Thoughts?

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We are the only lender who can offer a classic 30 year mortgage to Americans in Costa Rica.