The premise of the time value of money struck me: "Money in hand today has earning potential, and we can turn money today into more money tomorrow by investing it."

I did save some money to have as back up.

In my analysis the cost for an ADU in kern county would run about $85K and I have saved about 75% of that right now.  

You didn't save 40% you spent X that could have been used for marketing or growing your business

I was able to get a private loan which I used to purchase the house then I used my own money to rehab the house.

Did you save enough money for a new purchase?

I have some money in my savings account but not a lot.

@Brett Riemensniderwe don't know all the details, but as i said that's a very expensive way to buy property - if you can't afford a property without overleveraging then you might just have to save up more.

Eliminate debt, establish a budget, and save.

It does take numbers to make money.