One thing that’s jumping out to me is how your House 3 has some serious potential once you carve out that above-garage apartment.

I think it's the best way to A/B test the potential.

Quote from @Torianne Baley: Hi George,Do you mind sharing the lender you found who accepts the 500 credit score and will loan $300k There are lenders out there but the risk is very high so your rate will be 13-15% plus the loan to value will most likely need to be less than 60% (or even 50%).

Congrats on the potential drafting - that's huge.

I like the potential of AI to streamline our real estate investment processes.

Or should I just have them install another meter for the third floor to avoid any potential issues going forward. 

However, keep in mind that tying your primary home to an investment carries inherent risks, especially if the flip doesn't go as planned.

To beat 5.25% mortgage rate....the corresponding, offsetting stock market return would be at least double that...To answer your question requires (1) knowing what risk adjusted return you will be able to earn in the future (2) knowing what interest rates will do in the future.  

I just learned that builders risk and liability insurance coverage can cease once a CO is issued for a new build.

Be upfront about what you can offer and any potential limitations.