I understand, just a thought.

20 to 25 year amortization is pretty standard for commercial loans, in my area at least.

I do not have my own websites but I am currently working as VA for others so I only have my company website sir Please dude, no need call me sir.So if I am understanding you correctly, you are not an investor yourself, you are working for other investors?

I also do not understand how Thumbnails work.

If the covenant specifically prohibits renting out rooms or STRs, you may be restricted from doing so.You should carefully review the covenants tied to your property to understand the specific restrictions.

I understand in NJ, landlord is not collect to charge pet security deposit.

I understand that if I rent this ADU out, then I can have a tax write off on the mortgage payment and insurance payment for the the ADU's sqft portion.

I understand nobody can predict the future but I just wanted a general idea of where people think the fundamentals are strong.On researching the neighboring markets, I also found the Oswego market interesting.

I don't recommend it unless you can find a CPA who really understands the syndication space. 

This is not standard.