In fact, a couple of recent studies have shown that working with a broker typically saves about $10,000 on a residential mortgage.

I have access to see properties on market with assumable mortgages for FHA. 

In real estate, I don't change locks, screen tenants, evict tenants, inspect properties, or finance my deals - I have property management, property inspectors, and mortgage lenders that do this for me (outsourcing).

However, the rental value this area is very low compared to the Home values and mortgage rate.

I took a small private loan and bought my first home.

Having the ability to offset their mortgage with an ADU would be a game changer. 

$6000 is a large mortgage to cover for a vacancy. 

Most mortgage companies will not call loan due if payments are current but you do run that risk and need to be prepared to payoff or refi at a moments notice.

I continue making the underlying mortgage payment myself (autopay) and get reimbursed from the borrowers payment.

I have a robust team of mortgage lenders, title companies and RE attorneys.