Contacted PGE for upgrading my main panel, they are asking me to have separate main panel meters because the ADU has a separate address..

For example there are 3 or 4 major utility companies just inside of Fayetteville and it seems like each property has a different structure/utility company.Other expenses = major capex (roofs, plumbing, flooring etc go bad eventually so I would save a monthly amount in a separate account for when these happen). 

In doing so, one of the main step is keep all the funds separate from personal funds, which makes sense. 

I am sending you a DM separately.

The IRA is purchasing the property as an investment.Because income to the IRA is tax-sheltered, you must keep it distinctly separate from yourself or close family members. 

Did you convert the SFH to two separate one bedroom units without any permits? 

We also own a single-family home with a detached garage and a separate lot that is currently secured with the mortgage of the single-family home (we've owned this for 10 months).

Cash flow and taxable income are separate calculations.

From my point of view you need to separate work and investing by giving them deadlines and sticking to them.

Many of the above comments are very spot-on.Not sure if this comment will help, but maybe there's a way to get the best of both worlds if you can build this studio separate from the building and split the lot?