Recovering for lost opportunity in any endeavor let alone real estate is  deemed speculative and an even more difficult task. 

This means first actual cash flow occurs after recovering the negative value which could take years.  

This helps developer recover higher sales price on resale than they spent in extra TI's.DST's can work in certain situations but there can be other investment alternatives. 

I have spent the last 25 years as a Mechanical Engineer and have recovered financially. 

Having properties with tenants will always get you rent when the market goes south until it recovers. 

You likely have a good interest rate based on purchase date, and you have a property tax basis that stays low if the market ever recovers.

My first note I recovered $15,000 with an acquisition cost of $850 from a private lender.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).3) Adding an ADU is a slow process.

So, if a loss occurs after 5 years and a $100k original loan has been paid down to $75k, that is the maximum amount the insured can recover and of course the maximum loss the insurer can experience, even though the amount of insurance shown on the policy is $100k.Also, if a lender's policy is issued simultaneously with an owner's policy, the premium is generally substantially less than if the policies were purchased separately. 

Even after the housing market crash in 2008 where the price of the S&P 500 dropped from ~$1300 in August 2008 to ~$700 in March 2009, the price recovered to ~$1100/share by October 2009.