This is really killing my optimism for the property and even ADUs need to have primary owner living on site. 

Clearly you're versed in numbers and assessing alternatives so surely you'll identify the optimal path!

Hard to say from the short post here which is optimal.  

But their web site mentions you won’t receive the title until all payments are completed.

Not bad wealth generation in a non-optimal RE market, but my last RE purchases were Dec 2021.  

Monitor metrics like click-through rates, engagement, and conversions, and A/B test different ad copies, images, and targeting options to optimize performance.Ensure your ad links to a landing page with a clear call-to-action where sellers can easily contact you.

Optimally liquid reserves but often to include retirement accounts or other investment account statements

Yeah, it's a tangled web we are in for sure.

OR Do I hack with a HELOC or Cash out Refinance and optimize the revenue on the property ?  

Ron's company has my name from an online web marketing conference I "attended."