That is what we thought, but are being told we have to pay SS and medicare on this now even though it is "deferred." 

Over time, cost of insurance, monthly charges, and surrender fees (which can last 10+ years) reduce how quickly your cash value grows.3.Policy Loan Costs & PerformanceYou’ll still pay interest when borrowing against your policy.

I know this post is a little old and not sure if you went through with your ADU construction yet, but my partner does ADU ground up construction in the LA area.

When you pay off a mortgage you pay the interest for all the years you didn't own the house?!?

Meanwhile, I created one LLC and business bank account to pay property tax, mortgage and day-to-day operating cost.

I'd recommend looking at costs. your build cost is going to be well over other homes because of the fixed costs like slab, Hvac, roof, etc. check the market drivers and weight the benefits of short term versus long term. long term is no furniture and help pays mortgage but at this size it doesn't really cover everything. we didn't find a lot of economies of scale in single family detached. can you build more than one unit?

I recommend you start with duplexes as you should always have a paying tenant.

It starts with doing 10-20% of the work and paying much lower taxes.

As of today they stopped paying the interest.

@Helena Lee, I do not have experience with it, BUT I would expect to pay capital gains on the bitcoin.