Have you considered creative financing options like joint ventures or seller financing to reduce reliance on outside capital?

It's difficult to have a site with the functionality of BP that works the same on an app; a lot of designers are moving towards phone-optimizing language that essentially gives you the website on your phone without you having to pinch or drag to make the view make sense.

However, these programs typically qualifies borrowers based on their income, such as tax returns.The DSCR would be a good option considering you and your husband are entrepreneurs and the tax returns don't look good on paper.

Or stay depending on your situation. 

Also, any advice on managing budgets for PPC in the real estate sector would be really helpful.Thanks in advance for any insights. 

Others have hit it on the head.

I have some time now if you'd like to hop on a call

Most banks won't want to come in with a line of credit that is second lien on the property.

Use the 20K as a down payment on the next house hack and don't touch your current properties equity.

Building an ADU is not like building a structure on a vacant lot.