The purpose of this test is to ensure that the property generates enough rental income to cover the property's mortgage payment, including principal, interest, taxes, insurance, and homeowners association dues (if applicable).Key Points of the FHA Self-Sufficiency Test:Applicable Properties: The self-sufficiency test applies only to 3- or 4-unit properties being purchased or refinanced with an FHA loan.

Depends on how much capital you're trapping to generate that return. 

During this time you are not generating any return from the money invested in the ADU.

While they are indeed somewhat arbitrary, they provide a straightforward framework to filter out properties that are unlikely to meet my investment criteria.1% Rule: This rule helps ensure that the property generates sufficient rental income relative to its purchase price.

Direct Energy suggests 78F (25C) for indoor summer thermostat settings, Carrier suggests 72F (22C). 

Insurance is going to get more expensive, the government wants to keep people in homes, home equity financing is only growing in popularity, multiple generations are living under the same roof more, and all of those trends are going to lead to changes in how tax law is used and possibly the law itself.

I totally understand it’s cheaper to list it yourself, but if you have a full time job already, this can be very time and energy consuming.

To be competitive, I was able to generate a cash offer with the help of my family.

Does it hurt or help generate more housing?

Hey Everyone, I have been working with investors for last 5 years and helping them in lead generation using different marketing channels like sms, cold calling, rvm, direct mail and google ads...