My husband and I sold our investment property and are about to close on selling our primary residence.

So if it was a Home Owners Association suing for their HOA fees, any primary mortgage would survive.  

It still would not alleviate the other issues with an ADU addition such as revenue out long (often many months) before any incoming revenue, the worse financing associated with the ADU, that it likely makes your primary a rent controlled unit, that it detracts from the primary even if it is just yard, that adding an ADU addition is work (likely more work than a BRRRR with much lower returns), etcCan you post the valuation you receive when you receive the appraisal?

This is a conventional loan so my understanding was that I could request the removal of PMI once I got to 75% LTV (as opposed to 80% with a primary residence) as this was the case with the other properties.

My primary house estimate value is around $450k, I still owe $60k for mortgage, and I have $45k in high yields saving now. 

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.

Definitely take your time and do your research before jumping into anything but similar to what others have mentioned if you don't already have a primary I'd try to grab one of those with the VA loan if it's feasible.

I myself was a renter not too long ago for my primary residence and I often resented that my landlord could control my actions through their legally binding rules.

Normally, they would have zero tax because of the capital gain tax exclusion on primary residence, known as the Section 121 exclusion.

The investor portion is whether a landlord should rent their property to an AirBNB host for a premium or insist only on primary residential usage.