Some banks, however, will allow you to do a "transfer of ownership" to move the property back into your personal name when refinancing, but it could involve additional costs and paperwork.Hybrid Approach:Some investors choose to buy property in their personal name, refinance with the bank for better terms, and then transfer ownership to an LLC after the refinance.

I don't agree with the fee comment - certainly that can be an element of a scammy lender but there are certainly lenders that do require some upfront fees and other vendor/pass-through fees in addition to the appraisal. 

However, you will need to pay the additional cost of securing a new mortgage.This is based on:* I added $600 to ARM to cover its additional expense (increases monthly payment to $5,104)* No prepayment, except all paid off at end of year 5 for both loansThese are the monthly movements, I hid a lot of rows for simplicity

In addition, I live with my parents so even househacking will still cost me over $400 a month, which is what I pay to stay with my parents.

I am considering building an ADU for additional LT rent.

Hire a Architect to provide drawings with a lot of details such as existing house elevations and floor plan, proposed elevations and new floor plan, roof, wood deck, addition, etc.

In addition, this is unlikely to be worth the lawyers time to pursue in court.  

Although rarely is it useful or beneficial to utilize (finance) that much additional principal and/or interest. 

Thanks, I’m planning on digging into my paperwork tonight.We’re thinking conservatively save 1/3 of the income as additional insurance against foreclosure.

Value-add via cosmetic renovations to the units.Added additional services that the residents request.