This was NOT an easy choice for me.

Or it could be some feature of the home or the location that's making it the second choice for buyers. 

Totally agree.When signing the lease with the tenant, I only give them one choice - deposit it directly in my Wells Fargo account.

ADUs are still fairly new on the east coast so there's no precedent for this kind of thing that I can find i.e. using a Homestyle loan as an investor to build a new, detached ADU.The downside of the investor choice is I can't legally live on the property unless I disclose this to my lender.

HML - 90% downpayment, 13.75% 6 month payback period, interest only Personal loan - 13.875% no money down, paying interest and principal.On a 30k rehab loan with 7 year term, I'd pay $555/mo ($355 in principal pay down and $200 in interest). 30k increase in my HML would result in $343 increase in monthly payment So the choice is: Pay down personal loan, lose more money out of pocket till refinance, smaller DP on HML VS lose less money, larger DP, and having to pay full amount later. 

@Kevin Dong I feel like I have no other choice right?

In same boat, but a year after, I am hoping you made a choice and maybe can add from your experience?

If prices are low it simply means it is not the prime choice to me.

Hey Jay, I often will use 2200 closings and Choice one Abstract for most of my properties.

I recently sent an offer for a client and we were countered not on price but on choice of lender.