the other way you would only pay 700, saving an extra 500 or so.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

It's easy to obtain, costs very little, and doesn't require extra, on-going effort to maintain.

This would be very temporary because we would either sell our 1st house once we move or rent it out then use all of our extra income to pay off the HELOC. 

And then either set aside that amount in reserves plus extra for vacancies up front or budget for them on a monthly basis.

Each option has its pros and cons, and I'm hoping to get some insights from this community to make a more informed decision.Option 1: Building an ADUPros:Increased Property Value: An ADU can significantly increase the value of my primary residence.Control and Proximity: I can closely manage and maintain the property since it's on my land.Potential for Higher Rent: ADUs in bay area can fetch a good rental price.Flexible Use: ADUs can serve multiple purposes – home office, guest house, or rental unit.No Additional Land Purchase: Utilizing existing property means no extra cost for land acquisition.Foundation improvements: I will get an upgrade for my foundation which increase house stability.

In Dallas Metroplex I am constantly finding good deals in Fort Worth.I wouldn't recommended to add extra cash every month to pay for the mortgage.

[That's an extra $18K a month we didn't anticipate which really helps to offset those extra operating costs.]

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

The option money will stay with the seller and the extra monthly amount paid will go to whomever specified in the contract (usually the seller). 5.