Any "perceived" deception at any point, will be severely counted against you by the court.

Basically if there is no "living room" and there are no comparable properties with similar square footage and bed/bath count in your area the property becomes difficult to comp or sell and lenders will not be able to use it as collateral for a loan Excellent point.

Note ADUs do the opposite seeing that small units in small counts is very expensive development.I see nothing in anything you have stated that addresses what i believe has to occur to accomplish your goal. 

The appraiser didn’t count them as bedrooms. lol.

Not my own capital, so all principle and interest are counted* Interest paid = what I'm paying in interest from the loans* Monthly CoC = Earned / Invested for that month only.

Correctly reported, a HELOC does NOT count against your revolving credit utilization.Using this strategy, you're borrowing and repaying an amount annually.

I understand this is a big problem in all inner cities in America.. had it happen to us to many times to count. 

Th iincome needs to be reported on credit, has to have been received for 12 months and likely to continue for the next 3 years in order to count as income. 

You’re looking at a market where cash flow is more predictable, and that's something you can count on in the long run.Another reason Memphis is popular with out-of-state investors is the city's history of solid returns.

I am also counting on a few 55+ seniors selling their homes to escape the city (Austin, Houston, Dallas) for a more affordable community where their retirement savings will go further and where they can connect with other seniors.