My market has many people with this sentiment.

However, evaluating your sentiment (and your wife's) on that will be important. 

Because the legislature has passed protections for unpermitted units, a tenant should not be able to make any claim if it is a safe unpermitted unit.i agree with your sentiment on getting the ADU permitted, but not for the reasons you stated.  

I agree with that sentiment - I have seen a property go to sheriff sale where Wells Fargo was the lender for a first position, and trustee on the second position.

great sentiment, especially now, after the hype train of the covid, its interesting to see who is sticking around, keeping their heads down and putting in the work.

I generally agree with the sentiment that the Portland real estate market and others may not feel like bubbles due to a general trend of livability/demand + constrained supply.

I know that this is a personal flaw and that I should go for it if it makes sense to me after doing my own research, however, I can't help but think that it may not work out the way I believe it could based on all of the negative sentiment I have received from family and friends.

I know some of the sentiment around here is to just get your marketing pieces in the mail, but I'd like to do some level of testing to see what works before significantly ramping up my direct mail campaigns.Finally, the main reason we are doing this is our thought process was that Listsource is available to any Tom, Dick or Harry out there whereas our list would be complied ourselves and target obviously distressed properties.

I had no idea such anti success sentiment lived in this forum.

but i also 2nd @Jay Hurst's sentiments - get a 2nd or even 3rd opinion on DTI/ full doc. i personally love files that are puzzles, i get some weird satisfaction out of figuring out how to make it work on full-doc, especially when my client has been told "no" before. if it doesn't work now, a good loan professional will help you create a path forward.