I do not understand your remark as related to the DSCR loan.  2 ADUs are not allowed by f/f conventional financing but is not always enforced.Fortunately if you stay with the current tenant without a refi, by the time you pay principle it is likely the rent will have increased enough to absorb the increase mortgage payment. 

🙏☺️ I completely understand where you’re coming from & you’re right that owning real estate is a key step toward truly being an investor.I’m still new to the game, but I have a solid plan in place to move toward ownership & establish myself as a real estate investor.

I like this option better than a Wrap because for me its just easier to understand and navigate, especially if lender calls the loan.With all this being said...I am just looking for those that have direct experience with using Lease to own to get into Multifamily and Apartment building type projects.

Be honest, be kind, and be understanding.

What Actually Works:• Ask questions• Understand their “why.” 

But it would be good if you understand how this is done just for your education etc.  

.- Risk Awareness: Flood zone designations still help people understand general flood risks in their area.Elevation still matters under Risk Rating 2.0, but its role is handled differently compared to the old system.Under the old system, elevation certificates were often required to calculate insurance rates.

Once you have a good understanding of what you can afford, reach out to your landlord in a friendly and casual way.

Until you have $1 million or more in equity and really understand how to use an LLC, I recommend you just buy an umbrella insurance policy for $1 million.

I'd also like for them to be aware of costs like insurance and taxes, so that they have a better understanding, but I'm not sure that's really that important.