I also own a house in Golden Gate Heights, Inner Sunset, and it is EN FUEGO here as folks look for single family homes.Sam

I will use that for the Golden Trio of accounts.

I know that wasn’t your question, but that’s a lot of capital or debt for an ADU.To answer your question, in order, refinance (unless you have golden handcuffs 4% or below interest), heloc, second mortgage, private money.

If you don't want to do it, then start that referral business.25% minimum and 30-50% if it is golden.....golden is they're preapproved..you've met them 2-3x a year for last 5 years when they came to rent, and now you've convinced them to buy......Hello--this is James, our team's buyer's agent ready to help you find the perfect vacation home. 

This information is Golden!!

Roll in all the “cash” you get from your 1031 sale and assume at least as much debt and you’re golden.  

Your insights are incredibly valuable as I embark on this journey, and I'm eager to learn from the experiences of those who have navigated the path before me.Your willingness to provide guidance is golden and I'm looking forward to incorporating these lessons into my approach.

@Raj Khadilkar, remember the 'Golden Rule' -- He who has the gold makes the rules!

Leaving him in the golden years of his life to deal with the mess that Ocwen had created.And yes...

Plus the brand new golden 1 Arena that brings in concerts all year long.