For RE owners, death allows you to pass assets to your heirs and step up in basis, effectively eliminating recapture.

This is only one of the challenges of adding ADUs.   

Eliminate debt, establish a budget, and save.

I should have also added that the reason I am pulled towards real estate as a wealth generating mechanism (I.e. the appreciation aspect) is that I bought my first house with ~$20K of my own money in Baltimore (supplemented with 6K of grants), bought at the right time and did a little fixing it up, used the proceeds from sale of Baltimore home to get into the lower end of the market in quickly appreciating Seattle.

If all you are doing is asking AI how to respond to someone, you are not adding any value.

Opportunity Zones are designated distressed areas where long-term investment and development are encouraged.3 Reasons Why You Should Invest in Opportunity ZonesDefer or Eliminate Capital Gains Tax ObligationsWhen investing in Opportunity Zones through a Qualified Opportunity Fund (QOF), you have the potential to defer your capital gains taxes.

I will preface this question by adding an assumption and that's  most who are seeking asset protection services,  do so to protect against claims that could have significant financial repercussions, rather than being  drawn into landlord tenant court over a rent payment dispute because the tenant alleges the boiler is defective, so lets focus our attention there.How do these claims typically start?

The negative equity position is one reason (there are many reasons) why adding an ADU is one of the worse RE investments.  

We can help you with those pain points via virtual assistants and AI for guest communication, which effectively eliminates about 90% of owner required communication.

The added Prepayment Penalty, makes the loan technically more expensive than a traditional conventional refinance if you decide to refinance in 1-5 years.