The way I see it, I have 2 options: 1) inform her of her responsibility to turn on the heat or be liable for any damages caused by the cold weather or 2) turn on the heat myself.

It's not worth hiring a lawyer but as you suggested, small claims court may be an option IF you hired them in your personal capacity OR if your jurisdiction allows LLC owners to go to small claims and represent the LLC in court (many, most?

Best option would be to separately meter the property 2.

Because of my savings and lack of expenses, I'm in a very comfortable position to make my first move, but because my income is mid, I'm unable to meet the Debt-to-Income requirements to qualify.

The cost to build will be significantly more than the amount of “value add” of an ADU putting you in a negative equity position.

In a prior post from about 2 months ago, Kerry Malarkey and Nathan Gesner mentioned a small landlord is exempt from FHA requirements requiring the acceptance of emotional support & assistance animals if one of the...

If maintaining cash flow is your primary objective, you might want to explore other options.

In my home market of Florida, our insurance rates have made it much harder to have positive cash flow on a CRE deal.

@Seidy Lasker Wash sale rules apply to stock options if they are deemed "substantially identical" to a security sold at a loss within 30 days, such as options with similar expiration dates or strike prices.

And sounds like a good set of options you are looking at.Here's some data and visualization on recent trends in some of the markets mentioned here.