There are things you need to be aware of prior to going down that path, though

Just to make sure we’re both on the same page, I’m referring to the annualized total return that is included in the bigger pockets rental calculator — I wasn’t intending to compare RE to stocks, but maybe I’m missing something in your answer.  

Compare that to national competitors Vacasa or Evolve for example. 

(theccd.org)Rental Premiums: Co-living assets have sustained a 23.2% rent per square foot premium over the average of Class A so rents per square foot in comparable markets.

Compare wear thickness(the top layer) and overall thickness.

There are a lot of affordable properties in Knoxville, but the growth isn't terribly vibrant and the deman isn't what you'd expect for a city of that size and that close to the Smokies - you're mostly looking at college rentals for the meat of the move season, and the SF market, while it exists, doesn't really compare to Chattanooga. 

However, they will certainly require you to jump through more hoops compared to private and hard money lenders. 

Across the remaining portfolio, I have a really good amount of equity which I can tap into based on opportunities but need to finish cleaning up my personal debt prior to going that route to get best rates etc.

Leverage magnifies return. 3) The effort involved in adding an ADU is comparable or larger than a rehab associated with a BRRRR.

We spend zero time comparing against other options.