I do have the text message conversation where the landlord agreed to the reduction in exchange of the two bedrooms.

Or at least the on-going conversations and topics that were brought up.Happy Investing All!

Have a few conversations about your situation in general and start there! 

its an interesting conversation and for sure Palo alto Cupertino  and Los Altos and Los Altos hills directly benefit from 3 things.  1.

Stanley - I would suggest that you go have 3-5 conversations with lenders and understand how much they are willing to lend to you given your financial situation.

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

Advice on Layout/Design: For those who have added ADUs, do you recommend standalone units, garage conversions, or a combination of both?

The zoning and Philadelphia Historical Commission approvals have been obtained, and building permit has been approved for the building renovation/conversion now working on building permit for the rear addition.

Conversely, if one side of the house sits on unconsolidated fill or on silt, it would settle or shift over time - once again, causing cracking.

If you're pulling a permit already for plumbing changes, just get the permit for the room conversions at the same time.