She closed and hired me for the conversion process and found out the Zoning wouldn't allow it at all.

@Kaaren Hall after seeing your post i called them right away, their fees are extremely high for an HSA that for the most part most people don't have a lot of money in.I max my HSA every year, but if you have a self only plan you can only put about 4k /yr  and if you have some medical bills it's less.they are also very restrictive on taking money out, and no CC to pay the doctor. prior to speaking with them I was extremely excited to see this opportunity you suggested,  but after my conversation I'm no longer...I will look for other options now that I see there may be some, so thanks so much for bringing it up.

Plus, I use it as my CRM to keep all the info about clients, properties, and conversations in one place.May God have mercy upon your soul. 

I'm finishing up an ADU garage conversion in Downtown Sac and plan to do medium term rental for travel nurses.

Feel free to message me if you want to dive deeper—I’d be happy to share what’s worked for me!

Of course, on top of all the reasons listed above, most importantly, coming rent growth and falling interest rates over the next 2-3 years, allowing you to also opportunistically refinanceShoot me a private message and I'd be happy to continue the conversation!

Let the agent know that while you’re interested, the property’s condition and local comps don’t justify the asking price.Taking a warm, conversational approach can make negotiations smoother and improve your chances of getting the deal.

@Colton BridgesAre you looking to refinance before or after the fourplex conversion? 

There's a few mortgage brokers in the area I'm happy to connect you with do dive deeper into your options.

I think new builds don't really work from an ROI standpoint, but if you can find properties that have easy ADU conversions then the value might be there.I'm in MA and we just made ADUs legal by right, so I'm looking into the best ways to add value using them.