While they cannot be considered rooms, they will bring in an additional $$ each and every month.If you have a mixed-use or multi-family, consider adding a laundry room, vending, etc.  

Then refi into conventional or commercial loans, probably need a mix of lenders.

So these posts and the troll posts are part of the mix.  

Mixing the two is like mixing oil and water.

Surprisingly, you get a good mix of tenants.

Im at a 780 credit score , under 10% utilization, 13-14 positive mix tradelines 0- late payments but I cant get into the 800's and its because my old morgage is no longer showing . 

Also, fly out to visit the market, tour properties, and understand the local landscape before committing.Indianapolis offers a mix of opportunities for cash flow and appreciation, so defining your investment goals is key.

I had to fact check this after your last statement about the CA population declining ended up being false due to only accounting for our-migration and not including immigration, and once again you’ve gotten the info mixed up.

But, if any of the units are used as commercial space, you may need to structure the loan on a Mixed-Use DSCR loan which could affect pricing. 

I would first decide on whether you want appreciation, cashflow, or a mix of both.