I give you analogies, and explanations, I even give you statistically measurable numbers and data to back it up.

This is by design because I realized I was very far behind on my retirement savings and had to take drastic measures or I was going to end up working until I die.

The appraiser isn't an engineer and I wouldn't trust their measurements.

Maybe do it officially for good measure.

I’m worried about liability, safety, and frankly, whether my personal belongings are at risk.I’m in Illinois (but not in Cook County or Chicago, where I know the laws are stricter).

You cannot invest what you do not have.Initially before you invest, your success is measured by how much you have in (for instance) your Vanguard Money Market Fund, or an FDIC insured Money Market account, or stuffed inside your mattress, etc...

@Mark DuttonTo manage risk in investing, focus on building a safety net with a $1,300/month surplus.

Also, remind them this is coming from a safety measure for everyone wellbeing due to the climate of crime near our homes. 

No loans.In a country with few social safety nets for immigrants, especially for the Chinese, Abu used her fierce negotiation skills and supernatural intuitive business sense to live a very comfortable life and take care of her family.

Build relationships with investors, create a safety net, and consider house hacking with roommates.Good luck!