If you are able to setup a credit card identical to your accounts payable accrual account, it should operate the same.  

We know they’re hard working and would like to continue working with them rather than move toward foreclosure, but we know they’re in over their heads if we continue under the current terms of the mortgage and don’t want to set them up for failure. 

Anyone who managed to do this probably did it 5+ years ago when the market was very, very different.If you borrow $200,000 to build an ADU, I suspect you would need to rent it for $5,000 or more to make the numbers work.

@Andrew Slezak I recommend you first articulate precisely the liability events or concern which are pushing you to transfer the property to an LLC.

Not to mention that the way many try to package their systems as some one size fits all to turn everyone into millionaires.

How are they going to fill the park? 

Here is to a great 2025!

Feel free to message me if you want to chat about it

Any ideas how to lower this or use it as a owner occupied property?  

Have you taken the time to sit down and reflect on last year and how you did compared to the goals you set for yourself in 2024?