Builders do this a lot to add extra potential sleeping area without having more bedrooms than septic is rated for.I have seen people put beds in the loft after closing or even close in this area to make an unofficial bedroom.Just be clear in your pictures and description and you should be fine either way.

Then use the extra roommate rent income to pay down your mortgage and look to refi to a lower payment in the future (3-5 years) - so it cashflow when you move out.You could also choose the smaller unit and STR the other unit to generate more cash to pay down your mortgage and refi, so it cashflows when you move out.Bottom line: you'll have to get creative to solve your cashflow challenge!

Extra income by renting and the benefits of appreciation.

The desire for 10% down comes from maybe being able to do it this fall instead of three years from now--financially it might not make sense, but extra time with family is priceless.

E.g. you could have adjustments for extra garage, carport, bedroom, etc.So when doing Comps for a typical wholesale or Flip deal how many of these adjustments do you typically run into?

Add outdoor security cameras (just let guests know they’re there) and maybe some motion-sensor lights for extra safety.

Too many investors are not aware of the tax benefits and extra cash flow that could be theirs.

Put a lock on the door between the extra bedroom and the main house for security and rent it on Airbnb.

And if you’re ever looking for boots on the ground, I’ve got a great network of investor-savvy agents who specialize in the Austin area.I’m here if you want to talk specifics or need an extra pair of eyes on a deal you’re considering..

I had large payments on my personal loans due and extra money going out to finish the project, not ideal.