Most invest in these smaller assets focusing on wrong criteria leading them to markets without meaningful appreciation and even when they do stumble across a market with strong fundamentals they do not understand  real estate finance and/or fail to exit these assets when they the appreciation event occurs wrongly focusing on rental cash flow.The ability to combine a high earning W2 with a sound investment thesis is a winning recipe but not realistic for most.

Don't get me wrong the market goes up more over time then down but if you happened to take out the loan when the market was at a high point this would actually be a win for you.  

Not only is there nothing wrong with taking this approach, but I actually think this is the best way to start and the way that 99% of new investors should start their investing journey.

The wrong chemistry, well, see what happens if you put a few drops of brake fluid into dry pool chlorine (actually, do not do this!).

Risk that you will not enter good data, resulting in a possibly seriously wrong results2.

We used to leave something obviously wrong that was easy to fix, just to give them their thing that they could find and then we would fix it without any fuss, bowing to their omnipotence. 

Your going to have a lot of money on the line to get maybe $25k back, if nothing goes wrong.

It's way lower risk while you're getting your feet wet.BRRRR definitely has better potential returns, but it also has way more moving parts that can go wrong.

Always validate what you read online, things change, I could be wrong, but use this as a starting point in your research.What Is an ADU?

The lender did everything wrong in this situation and now are paying for it.Now they are trying to sell the loan at a slight discount (oh did I say its a 0% interest loan and they jacked up the UPB of the loan instead of adding interest) - again another rookie mistake.