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?

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.

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

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...

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.

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.

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.

Hi guys, I realize this thread is old but it is exactly the kind of conversation I was looking for.

I'd actually started a conversation with him in this regard.