For those who had strict parents, domineering bosses or harsh teachers, discipline evokes those memories of restriction and control rather than enablement.

This would enable you to access an owner-occupied loan with a lower down payment. 

The government is being an enabler lowering rates so banks can lead money cheaply, yes it helps in the short term, but in the end we are still in that never ending cycle of credit and debt.

The advantage I'm trying to put together by doing this is to force the price of the property a bit lower by bringing cash, then in the refi process hopefully have the property appraised at a higher value than I purchased it for, thereby enabling me to avoid having to put down 25% and tying up the money.  

This enabled me to buy the property with cash, allowed for at 10k of repairs, and make sure all my normal bills would still get paid.  

All borrowed at 0% and enabling all sorts of 'investments' and unprofitable companies to exist. 

The STR cabin performed 2x our projections and the local bank re-appraised our property enabling us to leverage a Heloc to build a 2nd cabin on the property.

Many of them are constantly looking for opportunities to expand their business.The value of your contracts can vary dramatically. are the owners locked into a term agreement or are you managing them on a month-to-month basis that enables them to walk away at any time?

For ADUs that are enabled by state law (in main building or in separate building), ADUs (http://leginfo.legislature.ca....) must not have an owner-occupancy requirement between 2020 and 2025 per SB 13 (2019) (https://leginfo.legislature.ca...).For JADUs that are enabled by state law (≤500 sq ft within the main building), they *do* have an owner occupancy requirement (http://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?

For me that was working assignments and flips, which enabled me to raise some much needed capital and then get into other strategies.