If you're going to need a mortgage, you're locked out of the game. 

Hi David learn what you need here on BP.  

Trying to Scale Solo.The Myth of Doing Everything YourselfWhen I first got into real estate, I thought I had to:✅ Find the deals✅ Secure financing✅ Handle renovations✅ Manage tenants✅ Deal with maintenance✅ Track every dollarI figured, “If I want to maximize my profits, I need to do it all myself.”Sound familiar?

You need 6" clear from ground to bottom plate, and ground must slope away from house...5) Any place that water can enter the house (doors and windows, skylights, where roof meets eaves, etc...) should be checked thoroughly, if it's not raining on inspection day, you have to be really careful with this...any suspect areas, put a hose on them....

From my best understanding, the city zoning committee seems to turn a blind eye to it (due to the need for housing for students).

We often need to ask the right questions to help determine the best route for each individual.

What I think you'll need to find out from lenders/banks/credit unions is how much historical timeline they'll need to review to support the valuation/income.

Will you need the equity in your primary home for any future personal expenses?

I imagine the argument would be, well if PadSplit disappears we need to base it off this less, more conservative number...

My philosophy is to take the minimum risk needed to achieve my lifestyle goals.