Is the extra few bux a year worth it? 

The extra info in regards to me is that I get an extra 4k a month due to my prior service in the military.

I tell my clients to bring it up to the seller, suggest that the seller contacts their own CPA for advice, and then slightly adjust the sales price to compensate the seller for the extra tax.

Just a hookup and level site probably won't do too well, but if you put a little extra into it folks will be more interested.

As of late, I have been using my extra cash for PML and but I am also going to look at the mid-west market smaller MFs. 

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. 

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.