HCV in the area pays $2,200.

Determine at what percentage of completion you'll pay for work done. i.e.

This means that you will probably need to pay registration and filing fees in at least 2 states if you don’t buy CA property as a CA resident.Any lawsuits should be limited to the assets of the LLC and not your personal assets (assuming you run the LLC appropriately and the corporate veil is not pierced, some debate as to SMLLC).

Keep in mind you will probably have a deductable to pay first.

Not really worth paying their points if they are just doing what you are already doing. 

I do not understand your remark as related to the DSCR loan.  2 ADUs are not allowed by f/f conventional financing but is not always enforced.Fortunately if you stay with the current tenant without a refi, by the time you pay principle it is likely the rent will have increased enough to absorb the increase mortgage payment. 

Pay off debt .

I have resorted primarily just telling folks not to come out here on BP talking sub2 because those that do not like Pace  Morby and those that do not like Sub2 will come out speaking against suff that they do not understand.

As folks are telling you it is hard to say since it all depends on what you need to do.

The last one told me I'd likely pay a small fortune for this policy.