IF $100 a mo breaks your budget, then I'd say you need to raise your rates......Just my $0.02....

We’re fortunate to have an above-average income and live well below our means.This summer, we’ll be moving to Detroit (PCSing in August), and we’ve saved about $120,000 to invest in addition to having funds set aside for the home we’ll purchase in Detroit.The reason I’m posting is that I’m struggling to decide how to best allocate the $120k.

Current HELOC rates are typically 8-10% depending on your credit and lender, though some banks offer promotional rates.

If not, we have several lenders that can help fund an ADU.

Along with not having sufficient funds to operate their real estate they fail to consider what happens when the property must be refinanced.

Guests love them, and listings with hot tubs often command higher nightly rates and occupancy.

Many claim they do not charge a markup, but then aren't transparent with invoices, etc. 1) If a PMC charges $x hourly, their markup is built into that hourly rate as they are NOT paying their workers that hourly rate.2) Many PMC's send you ONLY their invoice, or from their wholly owned maintenance company, not the underlying invoices from Home Depot and contractors.

The price points do make it hard to cash flow even with the lower interest rate subject tos. 

I'm not a fan of complicated electronic locks because they have a high failure rate and are often very easy to hack.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.