While we both have strong W-2 incomes, the large number of properties I own has made conventional lenders and agents caution that securing a loan for our primary residence could be a highly complex process.I’ve consulted with some local banks I work with, and one has expressed potential interest in financing our primary home.

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

My goal is to understand the current demand and rental potential for ADUs in this part of the city, as well as the costs involved in building.

Many of my deals were priced properly, but often the seller or market can't for various reasons see the potential in the property. 

It has great potential and the ability to cash flow nicely.

Choose a location with low-cost homeowners insurance because they have the lowest risk of natural disasters: Insurance - ValuePenguinIf you follow the above process, you will now have a short list of potential cities that are very likely to appreciate much faster than others due to their strong fundamentals.

Your profile mentions that you are an agent with rentals.You would want to see if you are able to claim real estate professional status.If you are able to claim real estate professional status, you can potentially offset the rental losses with your real estate agent income.Furthermore, TN does not have a state income tax allowing you to be more open with your options.Best of luck

However, it can come with extra costs for setup, maintenance, and potentially higher interest rates on loans.

Now, one month later, I’m called to face this situation.My energy level was low.

Tenants and growth potential-  Any thoughts on "the heights" and whether the area still has room for appreciation?