. - Hence why all the DSR loans we've seen have a required document the borrower signs that states the lender will start foreclosure proceeedings if the borrower ever occupies the property.Please correct me if I'm wrong or clarify anything I missed.

And it might not look very tempting when put together.This part is for anyone reading this who never comments: My humble advice to anyone attempting to do creative finance is:Creative finance is for experienced investors who have access to capital if everything goes wrong.

Always validate what you read online, things change, I could be wrong, but use this as a starting point in your research.What Is an ADU?

I like what I'll call the "west coast model" since it's mostly happening out here (though I'd love to be wrong about this!)

Every response is "We will have it ready by Friday" or "I've sent it on to the preparer"July 2023 I get my Business taxes done- and they were all wrong.

I hope I am wrong.

After thirty years of flipping houses I can tell you that the second you trust the subs completely, things go wrong.

Than I thought it was all the things that could go wrong in the flip, hidden gems like K&T hidden in the walls, shot main-lines, etc.....   

In cities desperate for revival (Rochester and Binghamton are high on that list), this is the wrong move. 

That sounds like someone who has been going in the wrong direction financially for whatever reason.