Are they part of the pref equity position?

I recognize this is not the sole source of return, but the other sources have their return increase with smaller equity position. 

Biggest thing is cash position.  

With that said, I am in the position where I will not need a monthly income from my rentals.

Mostly people with minimal RE experience are adding a single ADU and they often make that choice based on cash flow without taking into account the negative equity position.  

Legitimate lenders may charge a small application fee (around $250) to verify you’re serious, but if someone’s asking for thousands with no real intention of closing, that’s a huge red flag.On a more positive note, there are creative financing approaches out there.

Quote from @Tim Delaney: Quote from @Nilusha Jayasinghe: Quote from @Tim Delaney: It sounds like you would be in a good position to invest some or all of the RE emergency fund in a “safer” index fund.

Nevertheless, if the RAD investors  actually had loans  collateralized against property they would be in a much better position.

I know for a fact there are other women in your position that live in the Bay Area and are investing in markets like Ohio

Now that I am in position, I would like to place a mobile home to generate some passive income, but I don't want to use my savings for the down payment.