Have a great day! 

Quote from @Jemini Leckie: Hello, I am trying to understand the Orem, city code to determine if I am allowed to rent my basement ADU that I currently live in two a couple cousins and their friend.

Yes, I have done that several times, both as a buyer and as a seller.

The goal is for them to prove a track record of payments and leverage that to refinance with a traditional lender into a lower rate.

You have used home equity lines of credit to purchase investment rentals and want to know the best way to pay down the HELOCs.Between the two properties you bought, after expenses, you have $250 a month positive cashflow to use.What I like to do is pay down some principal every month with my positive cashflow.I use my extra active income from real estate commissions helping other investors to pay down the principal even more which just frees up that credit for me to use again.I know I can refinance the HELOC debt before it changes to principal and interest as it is just interest only payments as yours are.One difference is the cashflow, I have greater positive cashflow and could make the principal and interest payment in the future with the extra cashflow I already enjoy.I always get HELOCs on my income properties as well after purchasing them to pull out as much of my downpayment as possible.

There's usually a good reason why a company is cheaper or more expensive.

Accountant – Preferably a CPA. 

The work around was a Mexican bank was the owner and lease it to the foreigner.

It will be a can of worms for sure and they may go as far as requiring a full tear out and fresh submittal.

I try to evaluate a unique property 2-3 different ways, then make a highly educated guess based on my knowledge of the market.