For the ADU portion rented out, you can depreciate its share of the property, including the commission.

Happy to share some resources for that. 

Take ownership of your mistake and learn to do the proper due diligence recommended above😊

I am interested to get feedback from certified appraisers on whether a cabin on leased forest service land would be a comp for a cabin that includes ownership of the land.

Of course, happy to share.

But if refinancing doesn’t leave you with enough equity for future deals, you might be better off flipping for cash and avoiding a lot of refinancing headaches in the short term.If you’re planning to buy your sister out and retain full ownership, you’ll also want to ensure that the numbers still make sense on a long-term hold.

Most lenders will want to verify that the personal guarantor has at least 21-25% ownership in the borrowing entity. 

I would set up a family trust, if you have a ton of equity maybe you refi the properties into an LLC but if you are locked in with lower rates then I wouldn't touch the ownership piece yet. 

When you work a 9-5 job, you typically rely on colleagues assigned to you.As an investor, you have the OPPORTUNITY to assemble your dream team of professionals who share your ambition and can help you achieve your financial goals.

John, can you share which lender you use to take a DSCR loan on the co-living property?