San Jose it's the first city where you can sell an ADU as separate property, not sure how the land value is divided up from main house. 

For larger jobs, in quarterly draws.

The way to qualify is we use the rental leases and divide that by the proposed mortgage payment to calculate the rental ratio.

If she won't buy you out, then how does she think the assets should be divided when the house does sell? 

I have heard the argument it is safer for some people to draw and protect themselves while open carry.

And oftentimes they don’t make rent payments and hold you hostage to advance construction draws in order for them to give you back your own money as rent.

Rates are typically higher than a traditional cash out refinance, however at least you are not getting the full loan amount + you have the flexibility to draw/tap in the money whenever needed.

But most importantly, they do not need to be paid back.Funding Sources:Local Government/MunicipalitiesState GovernmentPrivate FoundationsFederal GovernmentFamily OfficesCorporationsWhen applying for a grant, ensure you have an understanding of the details such as eligibility, your project readiness, the purpose, funding amount, areas of funding, limitations and deadlines for the application.The prime candidates for a grant are 1) those developing a real estate project or physical space, 2) scaled non-profits and 3) certified non-minority owned businesses.Ensure you are able to provide the following documents before applying for the grant:Show site control through documentationA project description or business planConceptual drawings or renderings of the physical spaceProfessionally prepared budgets for the company and projectWhat does the grant application process look like?

Instead of saddling them with a $5M commercial property (for instance), you can turn that into 166k shares and divide them amongst your kids (who are in line to get a full step-up in basis when you pass away).Gotchas: The UPREIT is sometimes an option, and sometimes a mandate.

We use a YTD paystub and last year’s W-2(s) to calculate income several different ways:Hourly or salary income calculated to a monthly amountYTD income divided by number of YTD monthsYTD + W-2(s) income divided by the corresponding number of monthsIf these numbers vary too much, then we investigate and require an acceptable Letter of Explanation.Employment StabilityUnless an applicant has exceptional credit, we strive to determine their stability of employment to make sure they’ll always be able to pay the rent on time.