I can't live off 900/mo and the appreciating side has slowed to a stall. 

@Isadore NelsonAre you responsible for any transfer taxes upon sale?

While we saw some big jumps around covid times, it has now slowed as I expect is the same for your current area if not most of the country.   

Thanks for the detailed response, much appreciated @Ryan Muska

I think so many of these responses are based on made up hypothetical’s and not real life, I don’t think the vast majority of people are out to marry someone only for money & I certainly don’t think you want to get married assuming divorce but in the real world life is long people can be married for decades and something can change people can grow apart, you can even have a contentious divorce where getting the money becomes as much about hurting the other person as getting the money itself, I don’t think there should be any shame in making that even in a good marriage that if you grow apart you don’t put yourself in financial jeopardy.

Look forward to youre response.    

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

Move slow, ask lots of questions, and don't be afraid to pass on a deal that doesn't feel right.Feel free to reach out if you want some resources on the Detroit market.

You have to be responsible to get up every day and focus on your own goals. 

A good broker remains transparent throughout the process, providing regular updates on loan applications, lender responses, and any emerging challenges.