I have a GC friend in PA trying to request 196k, as a “gap” to supplement whatever the HML cannot cover. 20% ROI, 6 months. 

I would agree with Chris, I would not use debt to cover all costs and then hope to get a good pop on the sale to cover all the debt, payments and still have some in the end to make a profit to do it again.

Hello, I was trying to comp some houses in Detroit and I found that almost all of the recently sold homes in the area didn't have pictures of the interior of the homes on zillow or anywhere else.

Any help would greatly be appreciated in seeing the bigger picture roadmap here for how to turn this small MFH house hacking into something far greater.

Make sure it's dated and have your agent take a picture of it on the door.Then have your agent hire a locksmith to be at the property on the stated date with any necessary contractor.

Talking to just 3 banks might not be giving you the full picture.

So picture this @Kevin Rodriguez, someone strolls up to you in grocery store parking lot and says "Hi, nice to meet you.

Will add pictures as they are available .

However, vacancy means covering 100% of the expenses.Multifamily properties almost always generate higher cash flow due to multiple income streams, which also reduces the risk of vacancies.

You can only play games for so long.Chances are your next door neighbor is an IRS agent and turns you in when your tenants blocks their drive or some other random event disturbing your IRS neighbor.ADU catches fire and your insurance won't cover you, because it was an illegal and unpermitted structure.The city inspector told the last guy not to build or rent it, and is now pissed and wants to make an example of you and just red tags the whole property and no one can occupy for the next 1-2-3 years while you wait for a hearing.Then when you get the hearing, "staff" recommends you tear the whole structure down, and if you still want an ADU, you can apply for a permit and rebuild it.Your tenant quits paying rent and won't move out and you can't evict them, because there is no valid lease and they're just your "roommate".Probably a dozen other bad things can happen to you when you do stuff like this.