We have been doing it based on square feet, but the ADU consumes way less water than what that would actually calculate to (the main house has a backyard, more people, etc).

(I'm sure both the average consumer AND the average entrepreneur would disagree, of course, but hey - y'all're the guys with the fancy, big money jobs and the college degrees - what do I know ...)

That is the best way to enhance your learning and connect with real people doing what you are doing.

Quote from @Jaycee Greene: it all depends on the credit scores, but consumer mortgages tend to have lower interest rates than commercial loans.

Continuous participation.This is great if you are talking about an SMB with effectively connected Real Estate.Note rental activity is considered passive unless you meet the RE Pro threshold of 750 hours and more than 1/2 your time.This is the conundrum for passive real estate investors.If you have a full-time job or a large, time-consuming business it can be difficult or impossible to qualify.A huge loss from depreciation if you have one LP investment isn’t going to do anything for you.

I know it appears costly and timing consuming, but not doing your diligence will cost you more.

When the flat valleys were consumed by people, they like idiots, Developers  started building where the fire danger was higher.

I highly suspect you folks have never ever been through any kind of civil business litigation and have no clue how expensive and time consuming it can be..

It's a "rigged" system of consumer psychology, the monthly statement payor system. 

You won't enhance the appeal of your property with a Suburban full of stuff.  5.