Now if try tailing the entity on deed "up-stream" come to find it's a meandering trail of breadcrumbs, come to find they themselves are debt loaded via notes on properties to other entity, that again is a meandering trail ending in WY entity behind a wall of ownership interest in such so never get peoples names.  

Subsidized HOUSING WILL MORE THAN LIKELY GROW, yet the government will go into deeper debt to pay for it.I suspect new bonds will be created to pay for subsidies in housing. 

So this is common thought and why it is a real challenge to get debt secured by the ADU value add at higher than 50% of the addition cost. 

@Grace Hartman I don't mean this in a negative way but you're in this situation due to lack of experience, terribly high contractor quotes, or a combination.

I have seen a lot of videos of people are saying "Utilize debt as the power to take these leaps," so this is where I am ready to go if the deals make sense.Thanks for anyones help Regarding utilizing debt- In my opinion the proper way to utilize debt is to purchase assets that throw off more cash than required by the debt. 

Combine both strategies. 1031 into a small multifamily where you live.

You could have a $500/mo power bill and it will not be included in debt to income ratios, but a $300 solar payment will be considered for DTI. 

To that end, in most cases even if the properties are owned within an entity, the principles (investors) will need to personally guarantee the debt.

Congratulations on being close to debt-free!

Readers should seek professional advice.I believe the Note creates liability for the loan, the mortgage creates a lien on the real property that secures the debt.