If you can have a lease lined up for your unit they shouldn't count your current mortgage against you and could use that "potential" income as income on your DTI. 

If you are using an FHA you should be able to use 70% of the potential rent from the other units in the building to count towards your income.

From my limited experience, the voucher programs I work with limit the bedroom count that any tenant can apply to so it will say right on the voucher 1, 2, 3, 4, or 5 bedroom.

Do you know the bed bath count and location class?

If you pay that before the end of the month, the reported balance is going to be $0 even if you buy $5k worth of Christmas presents next week, because that float won't count until the next statement closes.

Is that just the mortgage or are you counting in insurance and taxes?

Of course the market nearly doubled my home value so it balances out; but I know this isn't a normal market and I can't count on appreciation alone (the numbers need to make sense; I need value add, etc.. this is just an example).

This amounts to lost opportunity because if you had purchased RE, at the closing it can start producing return. 5) ADUs detract from the existing structure whether this is privacy, a garage, or just yard space. 6) this is related to number 1, but there are many more buyers looking to purchase homes for their family than there are RE investors looking to purchase small unit count properties.

If there are close comps where the only difference is a bedroom or bathroom count, they're going to use it.Think about it this way: what's easier to put a value on?

Hmmmmmmmm but no concern on count down to get far away from this unlovely, and un- cared for place.