If FNMA, FNMA allows transfer of deed to LLC if mortgage originated after June 1, 2016 and original borrower owns a majority interest in the LLC and any 12 months of owner-occupancy is first met:https://servicing-guide.fanniemae.com/THE-SERVICING-GUIDE/Part-D-Providing-Solutions-to-a-Borrower/Subpart-D1-Assisting-the-Borrower-with-Property-Related/Chapter-D1-4-Transfers-of-Ownership/Section-D1-4-1-Information-Relating-to-Transfers-of-Owner/D1-4-1-02-Allowable-Exemptions-Due-to-the-Type-of-Transfer/1041300841/D1-4-1-02-Allowable-Exemptions-Due-to-the-Type-of-Transfer-09-09-2020.htm

I have to scroll down to find the original post, so I’m reading the responses before the actual post.  

For simplicity, I've assumed no principal paydown on the original $300,000 mortgage.After two years: $400,000 × (1 + 8%)^2 × 75% - $300,000 ≈ $49,920After three years: $400,000 × (1 + 8%)^3 × 75% - $300,000 ≈ $77,914After four years: $400,000 × (1 + 8%)^4 × 75% - $300,000 ≈ $108,147While the above example is oversimplified, the concept is valid.

Original home (retained)New DADU

Just to clarify after reading what I originally posted, I would be getting a building loan from a bank that is convertible at the end of the build, not financing it cash from my pocket.

Someone that can help to reverse the deed back to original owner.

Hi all, I am an investor and realtor from Calgary (originally Sask).

Quote from @Rick Pozos: I think the original poster is just getting very excited because it is something new that they did not know about before.

Originally posted by @David Keys:How many properties would you have without a partner? 

The assignment did not release the original contract purchaser from liability unless the seller expressly consented to the assignment and fully released them (a novation, in effect)… which is not part of the fact pattern.So the agent is right.