Here’s the context:I own a rural property with two rental units:A manufactured home from the 1980s in temporary status with the county (meaning it can’t be replaced), which currently rents for $1,350 per month.A one-bedroom permanent residence that rents for $1,300 per month.My monthly mortgage payment is approximately $1,200, and cash flow is crucial to me right now.

Your short-term plan sounds spot on! 

Another sound reminder to leverage a team of experts.  

Quote from @Michelle Glover: I would say challenge it, but sounds like Kevin mentioned it changed with regards to challenges.. what changed?

This sounds shady to me.

@Fetch PhoenixIt sounds as though this is all one parcel of real estate? 

We had a plumber replace the entire faucet, again at no cost to her. 

As a beginner, I want to operate an ethical and sound business.

@Sandra Ho, It sounds like you are talking about late payments on their credit report for things like credit cards, car payments, student loans, etc.

Secondly, if the appraised value is less than replacement cost, ADU does not make sense for a value add.