I was hoping that this is an easy process, given how frequent name changes are following marriages.

This is a very labor intensive process for most big box skip trace companies because it cannot be automated.

I created the following decision tree diagram to illustrate the decision process (click to enlarge).The above decision process is based on the property’s performance record, with the goal of achieving financial freedom in mind.Financial freedom is not just replacing your current income.

I wanted to refi but I am unsure of the 1. the process 2. is it the best call?

Quote from @Emmanuel Rugamba: Hi everyone I am 26 year old professional athlete looking to buy his first home but also house hack in the process.

Most cities will have a process to unlock the lots..

Having to use their lender is annoying, but for someone who has done it before or at least knows it can be a frustrating process, it's worth it for the deal they give you. 

On an ADU the process can take a year from start to income.  

However, weigh the costs of selling and the potential long-term appreciation you’d lose in this area.Real estate investing is a learning process, and you’re already ahead by taking action.

Had clients use them, and they claimed the process was way too tough of pulling funds.