Our exchange lawyer did not communicate that very well i think. 

Any company insuring your properties without an inspection most likely has a clause buried deep in their policy allowing them to deny claims for conditions found on the property that do not meet their UW standards and they will deny you claim based on "the house should have not been insured with them anyway".Although the inspections can be annoying look at it from the other side.You pay them 1000 to 3000 a year to insure a rental property where they agree to pay out possibly hundreds of thousands of dollars if it burns down or up to 1 million if a tenant slips on a bananna peel and falls down the steps or the tenants dog bites someone and since you didn't enforce the tenant having their own renters policy to cover the dog bite the landlord's policy is paying out.The insurance company is very much like your rich uncle backing your business venture - you run the business, he takes on the financial risk from disasters, and doesn't even get a say in who lives in the property.Your rich uncle asking you to fix the steps, put up a handrail, etc which is in your and his best interest long term.Do you really want to rent out a property with a busted front step and a bad roof that is going to leak sooner than later?

What is worse is both you and the contractor speak English, but you’re not communicating.  

Full of hype and questionable get rich schemes.

I believe the lenders you are communicating with are not articulating this well or simply don’t want to acknowledge they are conservative and it’s easier for them to point to the amount of cash consideration you’ve invested. 

He had some kind of beef with the SEC over some kind of investment deal or something like that, but he is a legit real estate guru and his methods align with how I got started, minus a rich father in law to help finance things.

@Rich Albert This law allows property owners to turn the property with the ADU into a condo building, with an HOA to manage common areas such as driveways and such.  

Just keep in mind that emergencies can happen, and it’s important to have someone local who can step in if needed.If you do decide to manage the property yourself, you might want to set up clear communication protocols with your tenants and ensure you have reliable contractors lined up for any potential issues.Good luck with your decision, and I hope your move abroad goes smoothly!

I think communication is key.

.), the appreciation makes you wealthy/rich.