We're looking at various SFH which have a granny flat, or ADU, or whatever they're technically called.

On a value of $100,000 assume the annual depreciation is $3,6363 - Your property taxes will increase by adding an ADU to your property, this is difficult to assume an amount without knowing the market so I will bake it into the expenses4 - Your utility cost will increase as well, again we won't know how much so additional assumptions will be made5 - We assume you will self-manage the rental so the expenses will be lower but we will include the management fee in the total expenses.6 - We will assume a 45% expense rate from your gross rent collected.

I flat out believe my child should never be an employee and this is a step in teaching her how. 

I’d recommend getting a specific quote from an insurance broker for the property you are looking at so that you aren’t surprised.A 4-plex I own make a good example:  because of the combination of factors with it (age, flat roof, being a 4-plex) the insurance costs are 3x what any calculator predicts it should be (because most calculator tools use area averages based on the value of the home, instead of the actual home in all of its glory).

I have a 3:12 sloped roof that abuts a nearly flat patio roof.  

This person would be paid a flat monthly fee (percentage of the PM fee) which of course will grow as the portfolio continues to grow.

A flat fee lawyer is more expensive, but provides a different service.

The owner described the land as mostly flat and partially covered with woods, but we'll see tomorrow.

/NYC will have flat to mild RE price declines, but 2+ years from now I bet that it will be business as usual, and these prime areas will soar again.

The 2 flat i refinanced is my primary residence as well so that might be why I was able to get 75% LTV.Best of luck and let me know if you want the LO information.