When ADU is complete, rent it or move in and remodel main house.After a few years, I think it is highly likely (again wouldn’t count on it, but would leave the possibility open) that CO allows and encourages those who build ADUs to subdivide their properties so that more people can own their homes.sell the ADU and main house separately, benefit from enormous upside.

It saddens me to see millions of people strapped to their jobs, trying to protect their holy grail 401K, until they are 60, and then start taking their "distributions", having a couple of decades left to live.

Your lender definitely should be able to count the 75%- I'm in Arlington and would be happy to connect you with my awesome lender who has been able to do all kinds of creative options to get to yes for me.

And then the last hurdle is that driving miles between your home and your rental properties by default is considered to be like your "commute" to work, and your commute doesn't count as business miles. 

It may make people feel better but does it actually do anything?

Th iincome needs to be reported on credit, has to have been received for 12 months and likely to continue for the next 3 years in order to count as income. 

“Jorge, you’re speaking my language here—efficiency is the game-changer, and every move counts.

But I guess to answer your question, I find people who are going to foreclosure.

I know of a couple people who are doing this very unscrupulously at the moment and have seen how they are structuring their deals.

So I'm good at finding people.