I’m also open to exploring short-term rentals, private lending, or passive investing in funds—anything that maximizes returns while keeping risk and time commitments manageable.For context, I’d consider leaving my job if this could become a full-time venture that surpasses my current compensation (low-mid six figures).

@Jules AtonWe have started marketing to our guests as it is cheaper to keep a customer than to find a new one.

For short-term gains, options like private lending, where your IRA acts as the lender, can provide consistent returns through interest payments.

@Geoff Engel If you don't want to be a landlord but still want to be involved with investing you could be a private money lender for flips or in partnerships and bring the money to the deal.

You can often get better rates with a national lender, but the customer service is non-existent, communication probably sucks, they may ask for the same documents multiple times, etc.

Expect a custom ADU to take 9–18 months, with 3–6 months for design and permitting and 6–12 months for construction, depending on complexity and contractor availability, and the speed of processing permits.

Some lenders offer creative solutions, like a cross-collateralized loan, where they use your existing equity as security without refinancing the duplex.Another idea is partnering with private lenders or exploring a second-position mortgage, depending on your lender's terms.

@Dan GroveAs a private money lender I agree with Nicholas' sentiment.

Since my firm is an investor private client boutique, I do not share resources outside of my client base.

Also, a few private lenders or hard money lenders might have some more creative terms for multifamily, especially if you're open to considering that route.