@Tony Thomas So, is the seller increasing their sale price in exchange for a 0% interest rate?

The median home value in Phoenix as of April 2023 was $368,657, which is a 23.5% increase from the previous year. 

You can expect turnover costs, losses due to vacancies, and other expenses.

Is there a quick way to estimate what those other costs will be monthly to make sure my calculations are accurate?

Unfortunately, Covid decided to change my plans, and I made the decision to hold off, in hindsight it was a huge mistake and no one could have imagined that property values could have increased at such a high rate.

Also if you get signed up for Pro it locks you in at that price and you are not subject to further price increases.

The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

Make no mistake it isn’t quick or especially comfortable but it can definitely be profitable.As for the rent a room thing in most locales I have to wonder if the additional rent is worth the hassles of dealing with the increased time and liability of multiple tenants in one property but that’s a totally different conversation. 

ADU increase value less than the hands off ADU addition, but a developer is not a hands off ADU addition.Thanks

From the commercial side you have more ability to force appreciation by increasing the NOI.