Add the finance issues, level or effort it requires, loss of something from primary unit (even if it is just yard), and the amount of time between first capital outlay and initial income.In general, adding a ground up ADU in SF zoned area is a poor investment.  

In addition, the lender is going to incur costs including losses do to the time value of money if you stop paying and they have to take the property back.

They were reducing the premium slightly for this loss of coverage. 

If developers aren’t building because it cost too much due to inflation, and why would developers spend all this money to build and then take a loss on the sale?

But how much damage will be done by hoping for the unknown and operating at a loss?

Often times the individual has long since recovered from what caused the derogatory in the first place--i.e. job loss, divorce etc.

These phrases conjure visions of an ideal lifestyle, but the reality is far more nuanced.

You have people that you trust to follow your vision.

She can always cash out within 3 years of placing her primary as a rental and not have much opportunity cost loss.

Hi, My house was a total loss in 2021 have been struggling with finding a builder to get the house rebuilt.