ADUs can provide additional rental income, which can help offset mortgage payments or other expenses.Extend your homeowner's insurance to cover the ADU.Be prepared for potential increases in property taxes due to the added living space.Given that your property is not in a dense urban area, make sure to check specific local regulations as they may differ from city regulations.

Do you think you're going to be covered if the 3rd tenant starts a fire and burns the place down?

Obtaining a $200K loan to cover the tax appears to carry a similar risk of a lien, potentially jeopardizing my mortgage approval.What would you advise in this situation?

If you are listed as additional insured and the contract clearly places the responsibility on the snow removal vendor, you will most likely be covered under their policy as opposed to relying on your own insurance or at minimum the vendors coverage will off set some of the responsibility. 

Although your reviews won't convey, the buyer can have some peace of mind that with future revenue that the first couple of months mortgage are covered while they make adjustments, build up some reviews and work out any nuances they need to.

As mentioned this means the property can support itself and wont put me in a situation where I can cover debt, operating expenses or capital expenses.Annualized Return if Sold at the Five-Year Mark:This metric offers a comprehensive view of investment performance, blending both cash flow and equity.

Have proper policies for each property and a proper personal umbrella policy layered over the top covering your investment properties. 

This can help you cover your mortgage while you build equity and gain more experience managing multiple tenants and building out better systems and processes if you do decide you want to pursue larger properties. 

She did pay for some of the damage and insurance covered some as well less the deductible which the tenant paid.

The free rent you gave him could have covered the cost of you taking property management classes so you can do it yourself.