But ultimately, if you have a model you are wanting to use as: "plug in in-place rent in cell C10.  

Quote from @Collin Hays: I suspect that the Smokies is your best choice, simply because it is a year-round destination. 

What your deal would ultimately entail is a buyer who trusts you enough to give you $125k and trust you to pay it back while his property is encumbered by both your seller finance note and your original mortgage for $125k.

Your choice:1) Because of your failure to prove you have obtained renters insurance upon moving in this is your 5-7-9 (how ever many days required in your market) notice to cure the problem or leave the premises at the end of the month. . 2) Because you have failed to provide prof of renters insurance upon move in a policy will be provided for you starting March 1st through insurance company X at a cost of $xxx.xx.

Consult with competent legal counsel to guide you regardless of your choice here.

I think the ultimate situation for what I described above (not the plan, but a possible outcome) could look like this:Rent main house by the rooms while constructing ADU.

If not, ride out the 12 months with the hard money lender.People have to make good choices and not over extend themselves just for the sake of buying something they really can't afford or that doesn't make good cash flow.

Some will shed most is not all of their rentals and just do lending .. personal choice.. some things to keep in mind ONLY do first loans. 

My ultimate goal is to acquire enough real estate to achieve financial freedom, allowing me to travel, provide a comfortable life for my family, and teach my children about discipline, financial literacy, and the wealth-building potential of real estate.I’m here to learn, share, and connect with others who share this passion.

This can be very expensive and is usually the worst choice because you can't justify the cost.2.