In my market the valuation with f/f non commercial financing is typically lower than the hands off cost of adding the ADU.  

@Leslie Beiai think offering equity when what you seem to need is just a loan doesn't make sense.  

I find these to appreciate better than your typical LTR here which are usually in C/D class neighborhoods.I tend to look at each Real Estate opportunity as what its highest and best opportunity is. 

Low Down Payment OptionsGerman lenders often offer financing programs requiring only 5-10% down payments, particularly for primary residences.Strong financial regulations in Germany support these low down payment options.3.

This is an Interest only loan product that typically lends at 65% ARV. 

Purchase price: $162,500 Cash invested: $75,000 I was offered this property directly before it went on the market from my agent.

Quote from @Dylan Fraembs: Quote from @Wale Lawal: @Dylan FraembsThe Providence market offers solid opportunities, especially in multi-family and value-add deals.

It helps estimate ARV, rehab costs, and potential returns and offers funding options.

Seller and agent are interested in the concept, although I have not made an offer. 

Recapture typically happens only when you sell the property.If you use the property partly for personal use and partly as a rental in a given year, depreciation and other expenses must be prorated based on the number of days it was rented versus personal useBased on the current tax laws and regulations, once you've taken bonus depreciation on an asset, you cannot "capture" additional bonus depreciation on that same asset in future years, even if the rates increase.In the 2024 tax year, the rate for bonus depreciation is 60%.