No , you are in once you can pay the money 

What would be considered the easiest program for small hard money lenders to use to track loans and history and sending out 1098 's?

@Richa Wardhan every investor has to find their own answer to your basic question - focus on portfolio growth or paying off what you have.Portfolio Growth leverages your money using loans and tenants paying off these loans.

kept using people who don't do real estate to do my taxes, and also they had horrible communication skills, I don't trust people who only see u as money.

This could potentially meet your financial needs by itself as well as provide start up money to do flips or purchase buy and holds

Some Instagrammable indoor-outdoor carpet, chairs, and umbrellas, and you can take it up a notch for less money.  

During this time you are not generating any return from the money invested in the ADU.

@Cody Baum - Can you become an investor focused agent and get practice in real estate without it being your own money? 

That's tough to do, even in California.Even if you borrow the equity from your current property, the bank doesn't give you that money for free.

I'd ideally like to do this process and not cost much money, but having a good roommate does matter to me.