I'm not in that market so I can't speak specifically to it, but to me the deciding factor would be what the surrounding units and area has. 

ADUs can significantly enhance your property's value by adding living space that can be used for rental income or as additional living quarters for family members.The increase in value from an ADU can vary widely depending on several factors such as the size, quality, and functionality of the ADU, as well as its integration with the main property.

- Highly recommend REQUIRING tenants to get Renters Insurance and adding you, as the landlord, as additionally insured.

Hey Tim, If you are not using Hospitable yet that would be my first addition.

Does anyone know of a calculator where I can plug in the additional yearly pay down along with the appreciation rate of my area? 

That is another factor that a bank will consider. 

Every property i use it i make additional tweaks.  

In addition cash flow is taxed annually.  

@Ryan VienneauAre they able to set-up your credit cards as additional "accounts payable"?    

My goal is to live in the home during the winters, maybe 3-4 additional weeks for vacation, then rent it out to help cover the mortgage the rest of the year.