No one (ask the people who had to move out of their home due to insurance costs) is predicting insurance costs doubling, tripling in 2-3 years.

Pro tip - Home Depot has a tile from Ivy Hill that looks exactly like Zellige for a fraction of the cost.

@Cameron Marro - I would work to get her out, move in to the bad unit and rent out the good unit. 

If numbers make sense and you can lock in favorable costs, building could be a great move.

Is it worth moving forward? 

Most people bring their own.We also have a bin of razors, q-tips, cotton balls and even a bunch of contact lens cases in the master bath.

Gordon, did you ever go forward with the refinance to move on the boutique hotel?

Additionally, if he’s legally and financially tied to the property, it might limit his flexibility if he wants to make major life changes, like moving or starting his own investment ventures.Ultimately, the decision depends on how involved you want him to be in the financial side of the property and how much risk he’s willing to take. 

Leveraging your equity through a HELOC or cash-out refinance can be a smart move, but it depends on your risk tolerance and goals.

There is also potential for an ADU in the large backyard, but I will buy another rental property before moving forward with an ADU plan.