The return of installing one is not 1 to 1 but will increase your properties value. 

Why would you take your cash, and spend it on a property you don't need to spend it on, instead of using that cash to increase your properties,...and income.

So pick an industry or business type you like, and I'd go talk to the businesses, ask them who their broker was, how was their experience with them and if they "specialized" in that industry.  

Low down payment, but you would be increasing the value of the property with your own cash.

By the time he covered eviction costs, lost rental income, and re-renovated after tenant turnovers, any potential gains were erased.Seven years later, his properties had appreciated to about $130,000 each—a 62% increase on paper.

Regarding the masterminds, I'm in two and they have been hugely impactful for my growth, both as an individual and my real estate/business growth. 

Welcome to the wholesaling business!

Will the renting of ADU rise to the level of trade or business? 

Here are some financing options to consider:HELOC or Cash-Out Refi on Another Property – If you or your mom have equity elsewhere, this could be a more flexible and lower-interest option.Business Line of Credit – Since the property is in an LLC, you might qualify for a business LOC, which could cover construction costs.Private Money Lender – If you’re okay with 12-15% rates, a private lender could fund this as a short-term loan, especially if the guesthouse will generate strong income.Construction Loan – Some lenders offer short-term construction financing, which converts to a longer-term mortgage once completed.Seller/Partner Financing – Bringing in an investor or structuring a joint venture with someone willing to fund the build in exchange for a share of the income.Credit Card Stacking or Unsecured Business Loans – Riskier but could work if you need to bridge a gap until the unit starts cash flowing.Would love to hear more details—especially your timeline and expected rental income.

They are an insurtech for small business insurance.