With the three additional bedrooms, you're sure to find flexibility for a home office, guests, or anything else your heart desires!

While the life insurance policies by themselves are sold as being flexible, with this usage, they are not.

Yet I know another builder where they are more flexible because the homes aren't flying off the shelves.

This is all historic, but I'd bet the fundamentals aren't too dissimilar now.

That’s the best bet.

We advise using Mortgage Brokers since they have much more flexibility than banks and can draw from hundreds of lenders with varying requirements.

Best bet may be a cash-out refinance DSCR Loan - what is the current financing/equity situation on the property?

This might be because their credit score is too low or the house needs fixing.Although each lender can make their own rules about how to qualify a borrower and their investment, like needing a certain credit score; I believe that flexibility is the best thing about hard money loans since it provides each individual with vast amount of options.  

The best way to hedge your bets in the right direction and also protect your personal space is to look for uneven multis.What am I talking about?

I've included a preliminary floorplan below.My goal with this ADU is flexibility in terms of renting it out either short-, medium- or long-term rental in the future for income, as well as maximizing resale value (main property is 1300 sq ft 3/2) to someone probably with an investor mindset who would want to house hack.My main concern is whether it's a good idea to have 3 en-suites at the expense of having a small living room/kitchen area.