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However, the loan could still impact her indirectly.

Assuming the insurance premiums don’t significantly impact my cash flow (which is one of my primary goals), how do you assess the risk of taking out a loan under my personal name versus opting for a commercial loan that requires a larger down payment and comes with a higher interest rate?

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Many national private and hard money lenders do not lock rates until the appraisal is completed and approved because the numbers that come back on the appraisal really impact the pricing, if the market rent/values are off.

Also make sure you understand everything about adding an ADU including value of the ADYPU, financing, impact from rent control, duration between initial expense and initial income, true cash flow (know the 50% rule, at 50% rent ratio initial property tax will be near 20% of income)- educate.  

Realize these same concerns apply to other Syndication asset types also.Do stress tests against the deal for both hitting the financial targets and also the Capital Stack impact.

This is where a sale may benefit you long-term if you can find an investor to take it before the increased rate and pending rent decreases impact the value of the property further.

.- Most people kept their ADUs under 750sf to avoid the impact fees- For subdivision, it wouldn't be applicable in your case due to your lot size.Feel free to reach out if you like to discuss in details.

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