You then have to report all of the accumulated affects from that change at once.

Others don't mind if it accumulates and gets paid back at the end of the project. it is a preference question.

As your business snowballs it becomes second nature and soon you can accumulate large sums pretty fast.2) Bank, lender, Credit union etc. 

I have seen seniors whose real estate portfolio is depleted quicker than the time it took to accumulate it due to major health issues which they didn't anticipate or their advisors didn't plan far ahead. 

Have someone else pay your mortgage, so that you can be accumulating capital to find your next deal.

I've been accumulating some addresses and am working on getting the background info on them.

Maybe we can accumulate a list that can help other investors with the same question. 

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) ADUs detract from the existing structure whether this is privacy, a garage, or just yard space. 5) this is related to number 1, but there are many more buyers looking to purchase homes for their family than there are RE investors looking to purchase small unit count properties.

And while you technically need to start accumulating for capex stuff like roofs and the like, the bottom line is that you will also be getting more in rent in the future too.The reality though is that with one house, you can't play the averages.

Most investors work their way up to a NNN lease property after cashing in their portfolio of headache rentals that they have accumulated over the years.