Patience, seller had contact issues and banker switched to two separate loans at the last moment.

The entire property & casualty market is a mess at the moment with carriers being unprofitable across the board and many becoming insolvent or shutting down in states where they were least profitable and/or were not allowed to take the rate increases they were asking for (rate increases have to be approved by each states dept of insurance they don't just get to jack the rates up because they want to)If you are in a REIA reach out to some of the players there and see who they recommend.

I know I can invest out of state but I am ready not ready to house hack in another state at the moment since I have a family.Another strategy I am looking into is section 8 investing.

We'd like to invest the 80k in the ADU since that's a guaranteed >2k rent per month, but are feeling a bit doubtful in this moment.

She started yelling and screaming and I'll be honest, I wanted to match her energy in the moment.

@Angelica Valde let's assume for a moment that the loan won't care if you re-zone it after closing (which is the most likely scenario)...how would you qualify for the loan when you refinanced?  

If you need assistance with other ideas if you can’t pay send me a message  I don't have $12,000, at the moment.

In terms of cash flow, given that I'd be living in a unit, I'm not focused on cash flow at the moment until I refinance out and move out of the duplex. 

Unfortunately I don’t have 20 percent down at the moment.

At the moment , I haven’t contacted the title company just yet.