This structure helps ensure that if one property faces a lawsuit, the other properties and their income streams are protected.

Investment Info:Single-family residence buy & hold investment.

IRA funds can be used to make investments only; they can't be used to buy a residence.

In non-commercial residence (<5 units), the vacancy is large impact to cash flow s as nd it typically is worth having rent not at the top of market.  

Instead of increasing rent, I would look at having the security deposit increased to protect against wear and tear.

Especially if you get a long term resident in the ADU and then you might can utilize them to help on your turns of the MTR. 

Research the appropriate laws for your property and follow best practices to avoid any discrimination accusations: use the same criteria for everyone who applies, know what the protected classes are, which questions are legal to ask and which aren't, and only deny applicants for legal reasons etc.

You have to think about a HELOC for what it is also, a second loan on your primary residence.

How much more protection are you really going to get from combo lockset & deadbolt?

That way you could rent out the first property and also generate income from your primary residence as well.