Obviously we can't predict the future with any real accuracy, so who knows what the broad market will think about ADUs 30 years from now, but in my market even though they are uncommon, they spike the value of homes anytime they are well kept. 

Rent is typically raised when the tenant moves out, so rent spikes drastically to catch up for the years of not raising it while occupied, plus renovation costs.

That being said - if rates spike, we're in a whole different world.

You can speak to the agent first and explain the strategy so they heel you are showing them respect.

Another reason why those same properties show such terrible returns for typical investors (who only have say 20% deposit) - you're competing against well-heeled owner-occupiers!

Inflation has historically spiked after war-time spending ends:While we're still a nation at war (US special operators were active in 138 countries last year!)

I totally agree that the way in which she asks makes me want to dig my heels in more.

But, they aren't fixed so the interest could spike, and they can be called due at any time typically.Those are the two big negatives to HELOCS.Of course the negative to cash out refi is paying interest on money that you are potentially not using.

Another noted some very helpful info without being specific, allowing me to figure out that the bill spiked up almost 3x the avg amount in recent months.

As Chris stated above there are some codes specific to the Tar Heel State.