I've paid for a handful of programs over the years from cheap to expensive and narrow-focused to broad-based. 

In my market the valuation with f/f non commercial financing is typically lower than the hands off cost of adding the ADU.  

You have three choices...transfer the property and keep the loan in tact hoping they won't trigger due on sale, refinance into a loan that allows it, or simply leave things as they are. 

Happy to connect and work with anyone trying to expand their business.I am working on building an industrial portfolio of my own - consistently searching and analyzing deals.My main market is Southern California, but I am slowly expanding my lens across the US.Ronald Rhode and Chad Griffiths are the best content creators in the space hands down. 

Quote from @Donald Aleshire: This is fair feedback @Dan H. and I appreciate the comparison of Stock Market vs Rental Real Estate.

It's one project, that's more hands off and offers great returns. 

A hands-off garage conversion ADU is over $100, even doing much of the work yourself, it will be much more expensive than your estimate.Single ADU additions in single family zoned areas are typically one of the worse re investments. 

If one is transferring property title from personal name, a Grant/Warranty Deed would be drafted/recorded to transfer title. 

As a MTR property manager myself I wouldn't feel comfortable handing off my properties that I manage for my clients to someone else who is going to do the same thing.  

Cash on hand: 8.