In 2020, the ground leveled out, then quickly shifted to hilly terrain.

Quote from @Jerome Morelos: I used a fixed rate second to finance the ADU, paying about $475/month for it.

@Parmesh P. there is no such TDA paying 7% or even 6% long term,5 years or longer.

I don't know the rules in the US, but in Canada, you can do that every 2 years and when you sell, you don't pay taxes on the capital gains.

But, the self-sufficiency test for FHA loans can be really difficult in SF, meaning that the market rent from units you will not occupy must be sufficient to pay for the mortgage payment. 

Don't pay the current owner (higher purchase price) for the work he/she didn't do.

I LOVED getting a loan through DR Horton on a DR Horton build, that I had to pay for a DR Horton appraisal.

., get a higher paying job, work two jobs, go to trade school, get a higher paying degree, live in affordable area, etc...these are things that most of us did).

But this was an awesome opportunity for me because this is my first living situation where I will be on my own (and getting used to paying a rent/mortgage) but this will put my overall mortgage on a 400k house at roughly $2000 a month for the first year!

My guess is that you will pay less per month with multifamily than a single family. 7.