@Jorge Vazquez I'm in St Pete for the season (Jan-April) up from FMB.

I recently completed one on a multifamily property and found it to be a cost-effective approach.That said, there are a couple of additional factors to consider beyond the code differences between a garage conversion and new construction:Coastal Overlay Zones – If your property is in a coastal overlay, building a ground-up ADU may require Coastal Commission review, which can add time and complexity to the process.

Can your first payment be in 90 days, so you have time to rent the property?

Just as bad as the posts you see from time to time of the grandchild wanting to work out creative financing to buy their grandparents house below fair market value.  

This has been tied up in court and does not really have an end in sight at this time.5.

Just hire a full time lifeguard .

Time ManagementReal estate can consume all your time with endless tasks—client meetings, marketing, and paperwork.

At this point in time I'm not sure I would allow it especially a Dogo.

I had two lines of credit one unsecured for 5 million ( check book) and another for 10 million that we would secure them up with .. but you need time to do that bank required appraisal etc before we could tag the secured line and even at that they only lent 72% in these commercial loan structures..

This one was in my neighborhood and the timing was right!