Another complex I own in will replace the kitchen cabinets and flooring in the units as they were originally sold with these items.

Some items typically needed to qualify for the loan are the following: 1.

LOVE offering my Airbnb guests amenities like a pool, spa, sauna, laundry, picnic area, etc; without having to personally maintain those items.3.

Are you going to negotiate inspection items, contingencies etc.

Do the homework on a DSCR option as part of your original analysis.Thats the other thing--yes you may carry more in costs, but your risk profile on an A class hood is much lower. 

Even if you believe you can stomach the monthly payments, paying $20K a year to carry a piece of land based on the information you shared is not recommended.

If you are just looking to invest your money then make a 1,2 or 5 year financial plan. work that back as much as you can hopefully into daily action items or at least weekly goals.

I'm not terrible afraid of being 100% leveraged but carrying the total DS on the HELOC and mortgage is making it tough.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

New unit: 4-unit multi family in which 3 units (with existing tenants that will carry over from seller) will remain investment; I will move into (currently empty) 4th unit AND USE as primary residence with primary mortgage.