Expect up to 15% on the rate and 5+ pts to the lender (you often run into minimum fees for example in this price point).

Regardless, though, expect higher points and fees overall because of the smaller loan size. 

I am not expecting it back to the 2020 rates but something more in line with 5's and 6's I would not be surprised. 

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

Similar with a SFH: I can at least get in the market with a 5% conventional loan not expecting cash flow but hoping appreciation will help me out in the next 2+ years and I will at least be able to put up the remainder of the expenses since I do live with my parents.I am young so I could be overthinking, but my end goal is to have a portfolio where I can cash flow enough within the next 5-15 years to let go of my job (5k clean a month).

For example, if a 1,600 sq ft main house is appraised at $100 sq/ft, what could I expect a 600 sq ft ADU of similar build quality to be appraised for?  

Have you ever had a client or partner misunderstand 100% financing and expect it to cover closing costs?

At least that is what I am expecting to hear from many about this post.

You will need a private lender to do this but expect it to be expensive

Factors include: location, amenities, rental potential versus price, per stay and annual fees associated with renting in the HOA, and lastly a subjective measure of overall expected guest experience.Disclaimer: Rankings and subjective comparisons between HOAs are not meant to discredit or heighten one HOA being better than another.