Also, conventional lending will NOT allow you to get gift funds OR borrow unsecured funds to help fund a down payment on an investment property.

I believe we are making the right choice by doing legal/fully permitted ADU's.

A small multifamily property is a smart choice for a first investment—it offers a great balance of income potential and manageable scale for someone new to the space.Don’t worry about being ambitious; it’s clear you’ve done your homework, and you’re already ahead of the game by setting a clear goal.

This city continues to grow and evolve, making it a strong choice for real estate investment.

Please note than may liability personal or corporate of the original borrower remains after the title transfer.

Your IRA can borrow, but you have to be careful to not personally guarantee it.

The ability to borrow the right kind of money at the right time.

I understand why this is the choice asset for many: they are inexpensive with no barrier & easily financed (easily attainable). 

Good luck with either choice!

Not only will lenders be effected, but borrower credit, business loans, inventory, and auto credit will suffer when those effected have to relocate, find long term replacement housing and their livelihoods and income are destroyed.