I joke I used to be a normal person who could hold conversations about small talk like who won the Oscars or the latest in sports. 

It likely will not go well because you are way too late on this.If you were a tenant paying rent would you want to just get a letter from the new owner telling you to get out with no prior conversation or warning?

Let this thread to be a place for constructive, productive conversations, networking and working together to make some money and bring some positive light to this frowned upon industry in RE world.Thank you all for your insights, opinions, comments!!

Even a hands off garage conversion ADU is significantly more costly than $100k.  

, that's just the hook to get the conversation started, ask them about the property, condition, motivation, etc.

The city contacted me yesterday saying they had previous conversations with the owner and cutting 5ft into my yard to add a hiking/trail path.

Call your servicer to start the conversation, the terms are dictated by conventional loan guidelines so this will be what is applied:https://servicing-guide.fanniemae.com/svc/d1-1-01/evaluating...

I wrote an Excel macro that did a CSV to IIF conversion that QB would read, and I believe there is software out there you can buy to do this, but it became cumbersome.

I'll have an in-depth conversation with my accountant about how to structure this

Conversely, you are pre approved for $3M, then the world is your oyster for properties.If you are thinking of moving, think about the lifestyle you want.