Low inventory and pent up demand are keeping prices higher (and still rising), even in a higher than previous (but historically average) interest rate environment. 

So, your 12 months of payments would not be enough to exclude the payment from the sellers debt to income ratio for a future conventional loan.2.

 - financing for ADU addition is typically far worse than conventional Fannie/freddie that would be used if you purchased the property. - the cost starts long before any generated income.  

A third chart that I did not include would show you that the spike was also caused by "dry lots", meaning no waterfront.So, where did all of the inventory go?

Reno, NV has seen major investments in EVs and data centers along with the lithium loop with little increase in housing inventory in the MF or SF classes. 

A DSCR Product is what you are looking for, DSCR Loans aren't based off of your income, they do not report on your personal credit and they are beating conventional investment rates in most cases.

I believe the market is at about 6 weeks of inventory, which is pretty low.

On the flip side, more building does mean more inventory so if you can be part of the above point, you can get a pretty new home that tenants want.

In many cases, the floor between the two is a conventional wood floor- i.e. wood joists, subfloor, and floor with carpet or tile as a walking surface.

It's one thing if you offered cheap crashpads, but if you're trying to attract convention goers, I would think tv is a MUST.