In normal times i would think selling is typically the smarter financial choice, but at the current time keeping may have a significant finance (due to low interest rate) advantage.Here is a list of why adding ADUs in my CA market is typically a poor RE investment:1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.

Some of these renters are capitalizing on low interest rates and choosing to buy, but many are unable to buy due to lack of down payment or credit factors. 

It was built in the 2010s and located in an established neighborhood with convenient access to schools, amenities, and major transportation routes.

Does anyone know a lender willing to lend on 40k with a day out of foreclousre up to 50%LTV with a low 500 credit score?

Would appreciate referrals as well as any general insights about the market, neighborhoods, etc.  

It was built in the 2010s and located in an established neighborhood with convenient access to schools, amenities, and major transportation routes.

That's a pretty low offer you're considering.

There are a million low cost or free options out there.

Buy solid properties in decent neighborhoods and screen your tenants well. 

Tornado, wind, hail, flooding if in a low spot, general weather related.