Is the option government supplied insurance where taxes supplement the insurance?  

There’s just not enough ADU supply (IN MY AREA) for appraisers to base off of.

About Westchester, NY:- One of the most expensive places in the US, maybe the world- Supply is VERY low- Houses are no less than like $600k-$700k, I'm also getting outbid a lot.- Now Foreclosures may be a good discount but at the same time I already know that there is aLOT more risk to this.I already have a real estate agent, a mortgage broker, and am getting connections to contractors and so forth.My few Questions are:- Do I need a real estate agent in this process for foreclosures?

Luckily mine was zoned commercial and so the regulation didn't effect me and actually helped as it greatly reduced the supply in the market. 

This will influence the supply in the area but in some specific niche or criteria, that's why is important to review constantly the area -inflow of new families are not slowing down.

Each potential buyer has come to their own conclusion that it would be too much hassle and risk to manage in this fashion vs a traditional rental even though the average cap rate in our area has been half that at best.

The infrastructure supplied by preREO including investment capital, legal support and loan servicing is also in place to make it as easy as possible for the local investor to capitalize on the real estate opportunities we are presenting.Thank you.

And the reason why your "tale of two halves" will play out as you described.Demand:  This has actually been high almost all along, but rent growth hasn't materialized in response due to high levels of new supply. 

Then I have a credit card to charge supplies and any utilities which allow credit card payments.

At the same time, I like the idea of a beautiful programmable t-stat.The heat is supplied by a brand new furnace.