Some people save money by collecting local seed. 

Work with a CPA to optimize your tax returns to reflect sufficient income for future loan approvals.

I think the issue is going to be more on BP side of how do you collect and monitor this, and is it really worth it, or do you just ban someone for a month for first offense, 3 months for second and lifetime for 3rd...

The name of the game is collect monthly premiums and payout as little as possible.

My concern with both the refi and sale option is getting less than optimal terms if the NOI isn't there to justify the values. 

Mastermind Groups are optimally no more than six regular members.Where are you?

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

This allows us to consider the real estate cycle and determine the optimal timing to sell.

Profits do not justify their effort even with the ADU addition in this case typically not being hands off .Here is a list of things that make ADU additions a less than optimal RE investment but the value added and starting with tens of thousands negative is a big one that needs to be well understood. 1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.

I just picked a Luxe collection medium queen and it is $1899.