Also, I would also not cross-collateralize the houses if a lender would even do a portfolio loan.On your second question about multifamily, I would not jump to multifamily until you have experienced the common management problems with single-family as the expenses scale with the size of the property as well as the cost of mistakes.I would consider getting Home Equity Lines of Credit (HELOC) on each property.

You're mixing up ROI and ROE and it's the ROE that counts (David Greene has explained that well in several podcast episodes)!.

If you were to rent it out long term, that's where you cross the line. 

This pre-2023(I am not counting 2023 REI in this as it's too early).

Next up, bedroom count.

So all you'd end up with just amortization and tax benefits.I disagree with everything in this paragraph.1) I have made four real estate investments this year, all of them cashflowing and I have two more I am about to get into that project immediate cashflow.2) I never count on the market to deliver appreciation. 

I imagine there are a lot of 3/2 that probably sleep 8-10 and if you can offer a slightly larger bed count and a cool game room/theme room you can differentiate yourself a bit from your competition and get some extra revenue through slightly higher rate (extra person fees, etc) as well as an overall higher occupancy. 

I would list every single item your counting as capex, their useful remaining life and their cost that day.

I'm hoping things change as they are slowly progressing for ADU's, but for the next move it appears I won't be able to count on the ADU income for DSCR. 

Yea I've crossed paths with him a few times throughout the years.