Look for comps of properties sold with an ADU then look for comps comparable to the house without the ADU.  

I will look for 2 other lenders who are also going to be comparable national banks.

@Robert S.BTW, if you hire a mitigation company, they may charge a lot less for drying out a basement compared to drying out a basement AND mitigating mold. ...so, if you wait for mold to start, the cost of the mitigation company might be higher (I don't know this for sure, but it's worth looking into)...I've never hired a company to mitigate mold, but I've heard it can be very expensive.When I was in your shoes, my top priority was getting the basement dry within 24 hours to prevent the mold, so I threw everything into getting that done ASAP. 

But compared to what?

Do one task at a time in each app to compare apples to apples.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.

Compare these rates with active rental listings in the neighborhood to ensure they are accurate.

Given your preferences and priorities, Philadelphia may indeed be the more suitable choice for you.Landlord Friendliness: Philadelphia has landlord-friendly laws compared to some other cities.

@Dominique Guinnane - Comparing a permanent rate buy down (standard rate buydown) vs a temporary buydown are two different scenarios. 

Like couches, chairs, dining, hutches, buffets etc.People sell stuff that is almost new condition for pennies compared to new.

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.