Both of these options "should" drive your premiums down a good amount, and hopefully to a more acceptable level. 

We might be more willing to finance projects that banks consider too risky, such as fixer-uppers or properties in less conventional markets. 

If you underwrote the deal according to your methodology and it netted 5-10%, you'd pull the trigger if the level of risk you're taking to achieve that result is within what you're comfortable with.

Both adding an ADU and a brrrr are work, but the level of return of an ideal BRRRR is infinite versus a typical single ADU addition in SF zoned area has zero return until it recovers the initial negative position.  

Someone will eventually come across an opportunity that works for you.Example: I'm a real estate investor looking for a fixer-upper, single-family home or up to four units.

This inventory level still places us in a seller's market which may be surprise to most people.

I’m in the upper peninsula and help is hard to find.

Even if only one person is responsible for paying rent, knowing that other occupants aren't financially strained can reduce the risk of rent defaults.Cons:Potential Tenant Pushback: Some applicants may view this requirement as invasive, especially if they believe that non-paying occupants should not be subjected to the same level of scrutiny as the primary leaseholder.

Going overseas to invest can add a whole new level of complication and expenses to your investments.

I used to live in the Indy area so I was familiar with the city and much more so now down to a detailed level.