When 1 unit was vacant, the other supported the drop in rental income.7.

Airbnb won't support a fee to the guest staying longer unless you have it in your listing or rules but if you do, and it was an inconvenience for you or your cleaning team, I would enforce the rules you've created.

They can provide firsthand advice and potential solutions.SummaryLegal and Financial Consultation: Get professional advice from a real estate attorney and financial advisor.Negotiation with the City and Lender: Try to negotiate terms that provide relief or feasible solutions for compliance and loan terms.Exploring Financial Options: Consider new financing, partnerships, and investment opportunities to raise the necessary capital.Community and Industry Support: Leverage the experience and advice of others in the real estate community.Each step should be carefully considered, and professional advice tailored to your friend’s specific situation is crucial.

I could see the bank wanting the ADU back if they feel the ADU was supporting the appraisal.  

Market rents are high enough to cashflow and support a mortgage.

If you have completed rehab to support using the appraised value vs. purchase price to determing LTV, yes.

If you have a few years of revenue for the EIN, if the books are clean you'll be able to get a mortgage as long as the revenue supports the loan.

ADUs or carriage houses are well supported in adjacent downtown neighborhoods but no one is building and selling new construction homes the comparable will be very limited. the appraisal will be difficult. it's just a lot.

It happens that the facts in Wake county didn't support my preliminary expectations.

I have enough savings to pay the down payment (family supporting me in this venture).