So in reality you are ALWAYS gambling in the stock market, yes, even with those big names that seem inconceivable to every drop and ESPECIALLY with those because most are so shocked and in disbelief when it occurs that it's only realized after your left with pennies on the dollar because you waited out a recovery that was never coming. 3rd: MATH and leverage.     

For flipping I would also normally not recommend adding an ADU.

We Normally put steel posts nearby so no one runs into them.In the third picture one unit is just in front of the picture, then a second unit is at the far end on a post.These can be set off by deep fog, rain or sleet. 

We heat and keep the doors closed and don't have issues normally.

This year is slower than normal because mortgage rates and home prices are so high.

I don't mean to come off as a conspiracy theorist - I'm not saying this is normal; I have no experience with foreclosures, just parlaying the message. 

@Frank Pyle yeah, this is pretty normal and the type of home you use isn't of consequence. 

Whenever I am having an issue with financing, I normally reach out to local institutions.

@Andrew Steffens I think that most markets have normalized to give an 8-12% cash on cash return.

We normally have our area manager Cameron over for lunch at the property he takes such good care of.