Umbrella insurance is crazy cheap for the benefit, and it already requires you max out your liability on your other covered items.

If you buy primary you only exclude $750k loan interest if you itemize deductions instead of taking standard.

Later you mentioned after prorations you had to come with 6% cash, what other items on the settlement statement added up to 4% lowered your DP to 6%? 

I think by waiting to last minute to put things together you miss items and year end tax planning becomes problematic.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

Its a possibility but would need some more infoWhat is the pad rental income only along with the other items below which I need for pricing.Property Address (so I can view the property and confirm that it isn’t rural):Your Approximate Credit Score:If occupied by tenant(s) what is monthly or annual income:If you like you can PM me too.Thanks

He further said it should NOT go to eating out or buying other items  and for sure should not be used to quit your job ( which is so popular mind set)Mr.

You should only have to do this with the largest items- mainly couches/chairs and dining sets.

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