From what I've read, some electric providers might not charge for the new service upgrade itself, but adding the meters, connecting the upgraded service and adding/updating panels would require an electrician, which would incur costs.If anyone has experience with this type of electrical service upgrade, particularly in Chicago, I would appreciate your advice and any information on costs and the process involved. 

It is a 3BR, 2BA single family home with attached garage and full basement with potential for at least 1 BR to be added downstairs.

Returns look good on paper but the kind of tenants those homes will attract will eliminate your cash flow.Invest carefully.

I've been seeing constant ads for Baselane, which I'm guessing is newer by the bonus incentives being offered and the amount of advertising.

While 20% down improves cash flow by eliminating PMI, it delays entry into the market, potentially missing appreciation.

Thought about adding a hoarding clause... one of our tenants has a side hustle where they buy, build, and sell holiday gift baskets.

You will benefit from better rates and lower cost lumber now, so that will help make up for some of the added carry and perhaps the market conditions have even improved? 

@Ryon PaxHave you considered cutting some of your personal expenses to pay for the HELOC or find another way to generate added income?

What is your process for underwriting a rental by adding an ADU (addition or division)?

If they don't, they likely contracted it out and added a 20% mark-up on the service.