.- The $12,000 boat sitting in the neighbor’s garage he only takes out 4 times each summer, it is basically a 24% down payment for a mortgage on a $50,000 rental property.Heck, even the PS4 that I just had to have for some late night Call of Duty action and spent probably $700 on including a couple games and accessories is just a hair under 2% of the total $36,000 purchase price of the investment home I bought – and I actually find that sort of sickeningly interesting if you really put that into perspective.

This question may be specific to places like Portland where the city encourages density by allowing accessory dwelling units (ADUs) to be added to properties in residential zones.If I purchase a 4-plex (zoned residential R2 in Portland) and rehab it to include an ADU, can I still finance with a residential mortgage?

Sometimes adding a trendy color via mantle or countertop accessories while showing helps give a fresh, current feel...micro staging.

My criteria was to find a SF home, with ability to add an accessory apartment that could be rented out.

Depending on how many units per the parcel, it can be viewed as a SFR with an accessory unit, it can also be viewed as a duplex, tri-plex, or 4 plex? 

Does Anyone know if it is possible to have an accessory dwelling unit in this type of zoning?

You could build an accessory dwelling unit (ADU).

Either the owner takes risk by converting the 5th unit to an accessory use or you take the risk by, for example, increasing your non-refundable security deposit so s/he can convert it prior to close w/o financial risk in case you don't close.At the end of the day, these are the costs of putting yourself in situations where you're not following all rules.  

(Accessory dwelling unit).

At this point, we can stage a typical 3 bedroom, 2 bath, 2000 sq foot house (including all furniture, pictures and accessories) for about $3000 or less.