Appreciation is only a THEORY until a person SELLS, be it gain or loss. 

We make people take photos of themselves holding their ID and then I also meet them in person for the showing - at least for my units on the NW side of Chicago.I've never heard of these testers, but I am not surprised. 

but i also 2nd @Jay Hurst's sentiments - get a 2nd or even 3rd opinion on DTI/ full doc. i personally love files that are puzzles, i get some weird satisfaction out of figuring out how to make it work on full-doc, especially when my client has been told "no" before. if it doesn't work now, a good loan professional will help you create a path forward.

Some of the heavy hitters here in Chicago discussed the ADU program with a very nice person from the building department.

What RichDad does not tell you is that it takes a driven personality to build a portfolio and if you have that type of personality you will not enjoy a retired state.

Quote from @Irina Badal: I heard for anonymity purpose it’s advisable to set up a personal residence trust.

I personally know of top 1% Airbnb homeowners that are flushed.

Have you calculated what your (monthly nut) is you need to survive business wise and personally?

Do you think it's common for a tenant to sue for an amount greater than insurance can cover, then take your property or even your personal assets? 

Gator most of the risk is on the person providing the earnest money.