What are your long term goals (eg do you want to buy another house) and do you have a large savings set aside for unexpected expenses? 

Collection agencies cannot report to credit bureau if the  landlord is a private landlord.

I have a private investor who will lend his own capital for ADU financing.

I should have elaborated in how the utilities are handled.Septic is the only private utility, and thus is my responsibility.

$10K savings to you or higher cost to you? 

.## Financing OptionsFor Hard Money and Private Lender financing, it's crucial to build relationships with local lenders.

I'm looking for you advice with my overall strategy and garner any experience you might have to save me from learning the hard way. 

This is true for all private money lending situations..

It will save you a ton of money upfront and you'll gain the experience to upgrade to larger deals.  

I've closed a bunch of loans with Kiavi, Roc, and a few with ABL, I also closed with RCN, Easy Street, Lima One, and some smaller private lenders.I've come to the conclusion that the experience at the lender is not globally good or globally bad.