However, as you can imagine, I had a small percentage of my units that were problematic.

A percentage of this number is then used to determine what portion is related to the ADU vs the portion of the property you're using personally.

are you using ACTUAL expenses or random made up percentages?

My criteria is a specific set of numbers with dollar signs in front, not percentages behind. 

Why are you focused on negotiating set percentages off of the list price... the FMV value is all that matters.

The percentage needed to be saved will be dependent upon the property, the condition it’s in, and the overall general vacancy rate of the surrounding area.

Some use family and friends or partner and give up a percentage of the deal.

They generally are compensated on a percentage of the final claim amount. 

I started by setting aside a percentage of my income every month, treating it like a non-negotiable expense.

Here’s what to consider:Equity Pull: Lenders will generally allow you to cash out a percentage of your property’s appraised value, typically 70%-75% loan-to-value (LTV).If you have $60k in equity, ensure the appraisal supports your valuation.Commercial Loan Terms:Rates may be higher than your FHA loan.Terms are usually shorter (e.g., 5, 7, or 10 years with a balloon payment or amortization up to 25 years).Debt-to-Income Ratio (DTI): Moving the loan into your LLC and using commercial financing will free up your DTI, as the debt will no longer report under your personal name.3.