Some examples are, adu zoning, lower minimum sqft., zoning exceptions for business in a primary residence, city lots for sale for under $15,000.  

the midwest has lower price points than other areas of the US, sure, but it also comes with its own challenges - for example, very old housing stock, lots of deferred maintenance, and tremendous demand for the best properties."

This implies residential units can be built at lower costs and provide better return than building a single ADU.11) adding an ADU to SFH can make the SFH fall under rent control.

If the numbers work when I run them, I know reality should only be better.ActualsPurchase Price $227,500Interest Rate 30 year conventional 6.375%Homeowners Insurance = $920.21Rents = $1,900 per monthTotal mortgage + escrow = $1,182.58 per month with rents at $1,900 my actual cashflow is $717.42.Additional numbers behind the dealTotal cash to close = $87,475.55Down payment = $80,000Homeowners Insurance - $918.36Rate Buy Down 1.283% - $1,892.43We paid to lower the interest rate by 1.283% over the course of the 30-year loan.

Also HELOC's typically have lower interest rates than personal loans since it is secured by your home.

So your answer depends on lien priority, and you are advised to learn which liens rank higher and lower in priority (and why); that is beyond what I intended  to post here.The prothonotary should have some way to indicate a lien’s status - whether it is open or satisfied or discharged.

So the interest you're "saving" is actually on a lower principle amount, at the END of the loan.

The most you are allowed to raise rents on a year over year basis is 10% or 5%+CPI which ever is lower.

Spokane’s tenant-friendly laws could present challenges, but its lower home prices compared to other markets might provide more affordable entry points.

I also suspect inflation will drive continued migration to lower cost of living / lower tax states.