The mortgage is $1800/ month, but I am looking to refi and pull cash out to finish the ADU and lower my interest rate by 1-1.5 points.Lessons learned?

The rates will be lower and will allow you to maximize profits.

* Does it significantly affect rental demand, vacancy rates, or rents?

It’s flexible—you can invest in rentals, commercial properties, or syndications—but managing it requires careful attention to avoid prohibited transactions.In comparison, a SEP IRA offers tax-deferred growth, which might be better if you expect a lower tax rate in retirement, but it doesn’t avoid UDFI tax on leveraged properties or allow borrowing.Before investing, check if SDIRA Wealth aligns with your goals and review their track record.

McKinney is thriving, but so are other parts of North Texas, and a broader perspective could reveal other great opportunities.Here’s what I’ve observed managing a significant number of rentals in the area:Bedrooms and Layouts:3-bed, 2-bath homes consistently attract the largest pool of tenants and have the highest occupancy rates.4-bedroom homes have grown in demand, especially with the rise of remote work, as tenants look for extra space to use as a home office.Square footage is less critical than number of beds and baths.Supply and Demand:McKinney’s growth is driving demand, but the quality of the location matters greatly.

Naturally, they are your competition and the daily rates need to be taken into account.

For full time management rates can range from 20-30% of gross revenue depending on the level of services provided.

That worked well when rates were 3.5% but that "strategy" no longer exists.

. • Single unit properties get pro-rated.

It's definitely possible to get a loan as a foreigner but the rates will be high(er) and the downpayment required will be as well.