Hi Carlos, Tucson is a fairly inexpensive place to start house hacking compared to a lot of the west coast.

Most local places are offering a CA Fair Plan within a couple days, but the DIC plan is taking weeks.I got in contact with Kin Homeowners Insurance, which I never heard of.

The teacher was an actual financial educator but they repeated themselves a lot and were telling the students to go in and apply for credit cards DURING the course to purchase the next course for $15,000!

Here are some key elements to include:Lease Agreements: Ensure your contracts reflect the latest laws, such as notice periods for entry or rules around security deposits.Fair Housing Compliance: Familiarize yourself with federal, state, and local fair housing laws to avoid discriminatory practices.Property Standards: Regularly inspect your properties to ensure they meet safety and habitability standards.Tax Documentation: Keep accurate records to comply with tax reporting requirements.4.

I was going to add, as posted above, it's a great rate and stick with that local credit union for the future business. 

I got a PA for 300k/FHA loan. 720+ credit score, 75k cash, and good income.

@Caryn Fischer You can sell your house to your child below fair market value (FMV), but the difference is treated as a gift.

This is a good opportunity in a strong market, and with your excellent credit and HELOC funds, you’re in a great position to make this project happen.

There is a processing fee if you choose the credit card option, but a direct ACH has no additional charges.

Do you know how I should go about to find  a trustworthy and fair GC for ADU build in North Hollywood?