Your ultimate goal is to refinance and pull out your equity so you'll get a killer interest rate. this way you can finance the rehab allowing you to hold onto more cash in the mean time. if you are quitting your job and won't have a steady source of income like you once did it's imporatnt to finance what you can and hold onto your coins lol.I say this as an agent and investor who uses hard money financing i think it will be your best bet . the ADU add is also easier than ever in 2021 with updated zoning and laws enacted here in Sacramento so you are on the right path brother. let me know if i can be of service.

Each crypto has it's nuances, it's slight differences.

Perhaps you already belong to communities like the Coin Laundry Association that provide you education and support, similar to Bigger Pockets for REI.

Most of the modern players (Monarch Money, Tiller, PocketSmith, etc.) are great for those moreso investing in stocks/crypto.

However, it's essential to remember that appreciation is only one side of the coin.

I look at from both sides of the coin being I grew up in some of the less desirable areas that now view gentrification with a negative connotation and from a capitalist standpoint that you have to seize opportunity.

Being an investor myself as well as former agent, I know both sides of the coin.

Think of it like this: If your property was a giant piggy bank, the cap rate tells you how much coin you're adding every year relative to its size.

In addition we spent some money replacing the coin operated washer and dryer and did some painting in common areas as well; again nothing serious. 

Anyways, it was cool to be on the other side of the coin, I know most of this is basic but maybe there's some value in there for a newer host!