Other than outliers like Penfed that use NextGen or lenders that use auto-enhanced or bank card-enhanced the other variants are academia and trivial pursuit questions.

Been working on enhancements to incorporate housing shortage (population/housing supply ratios), though the above indirectly reflects that. 

Need to set up another massage with you bro haha.

Owner finance deals can work if you are paying market or below sometimes and massaging the financing some with seller terms.All cash usually you get a good discount or higher cap rate. 

Picking their brain and learning the ropes will only further enhance your growth.  

San Francisco appears to have them as well, although I'm uncertain if they're constructed differently.That is unfortunate about the high operating costs of those buildings as I am sure they are beautiful and it enhances the neighborhood to have them maintained and occupied.  

Some items that are unclear: 1) how much did you spend on the ADU permitting/enhancements?

You'll see quickly if that enhances your options.

@Andy MirzaOur models are similar - at this stage I am not looking to get creative on creating the deal but during the workouts on NPL’s this is where my creativity comes in and I try and be creative so it’s a win for the borrower but also enhance the value of the note significantlyOne way that is easy to do this is on loans where they are significantly behind and started paying again.

You can't trust a guy who needs his ego massaged.