I have no problem handling the debt with my overall income, but the bank is putting pressure on me to do something now. 

A good example to reduce your potential costs without raising rents is to have the tenant agree to handle all repairs under a certain amount.

Because let's be honest, they are always looking for a reason to do so.I'm especially interested to hear from anyone who actually encountered this issue and how it was handled or who works in the homeowners/landlord insurance industry.Thanks!

Welcome to BP - house hacking / mid term rentals are great strategies esp starting out, I think you are right on with initial gameplan (Oregon can be challenging for landlords though so good that you are open to other markets)

The if is the challenge as ground up ADUs typically cost more. 

- If your uncle is providing all of the funding and handling the construction costs, the 33% share to the engineer might reflect a major role in the development process, such as managing zoning, permitting, or complex site engineering.### 3.

I really liked the person who handled the AHP fund.

Do you have experience with renting rooms or have a PM that can handle that?

Challenges?

Philadelphia has implemented various forms legislation over the years between abatements, land banks and density bonuses geared towards promoting development in areas that suffered from disinvestment and housing affordability challenges with some legislation having been more effective than others.