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.

So she got Airbnb to refund her for almost 3 weeks of the pay that she gave me And she stole a chair from my room that was crazy

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

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

What would I need to do to structure the note in order to have a note buyer come in and buy the note or buy a partial enough to pay off the 215k at closing and still have some difference coming to me or the note revert back to me after the partial was paid for. 

Now, you need to figure out how to find deals and pay for them.

This allows you to use all of the tax and deferred depreciation recapture to purchase the larger MF propertyA consolidation exchange is where you sell multiple investment properties to purchase a larger and nicer investment property, but you also get the benefit of using all of the tax you would have had to pay to your advantage.

If I identified the offender, I would probably bill them back for the wasted water and when they didn't pay evict them, or non-renew them if their lease was near the end because that is simpler.