Hey Sarah,Would be happy to chat, I work in the space.

Adding more guests could strain the space and potentially impact the guest experience and neighborhood relations you've worked hard to cultivate.

Yep, off water, but with nearby water access and view seems to be the same ROI considering the cost of the property. 

Quote from @Tom Server: I’m looking for advice on the best way to access about $100k to pay off my 401k loan, credit card debt, and cover some rehab costs.Here the information-  I purchased 2 properties last year, 1 is a rental property that i had for about 8 months, the balance of the mortage is 170k, worth around 300k .

I currently use the security deposit replacement and rental damage protection product from Waivo, which I accessed through my Furnished Finder dashboard for my mid-term rental (MTR).

From a lady that gave up a pantry and then requested her husband to steal from the garage space to build a pantry :). 3.

In the attic or crawl space?

Line of Credits (like HELOCS) allows access to a set amount of money up to a pre-determined limit and it is revolving.

I would look at the DSCR loan as the first option.By the way, I suspect you are going to be disappointed by any refi appraisals   ADUs typically appraise poorly   JADUs can lower the property value Vs having the space as part of the primary unit.  

I have solid property management in place with my portfolio so the time commitment is minimal but it still takes up space in my brain.