But interior space is more important as units are not as big.

Hi Ben,Great to see other younger professionals in the space.

Business credit is largely irrelevant until you get into the true CRE and commercial lending space, and even then, the key principles are weighted heavily.

It’s clear that the companies dominating this space are keeping the best deals for themselves, leaving only the undesirable properties for the open market.

My rental has a lot of extra space outside around the house to consider doing a ADU build and create additional rental income.  

Many of them are savvy marketers but don't have background/experience in pref equity space but lead folks to believe it's just an  'easy button' to make stellar returns. 

Are there a lot of people living in a small space?

this really depends to on what you do for a living .if your in the real estate space with a lot of commercial loans.. your balance sheet is very important more so than your fico by a long shot.so when figuring net worth those that are leveraged to the max basically have very little to no net worth other than their cash or other non real estate investments. so its a fine line..

The more imminent needs are the electrical, plumbing, roof and upgrade to double pane windows, most of which will be pretty dusty if there are humans living in the space.

Already a co-owner of  single family home with shared common space and bedrooms rented to individuals.