They actually owe more than they can sell it for.

We actually do a real estate investor meetup on the first Saturday of the month in Kihei at South Maui Gardens.

I am better for knowing what cash flow actually is, the rules on homestead exemptions in my area, etc.

I actually have family in both NOLA, the Northshore area and Baton Rouge so I'm pretty familiar with those areas.

So, just so I’m understanding correctly, unless the ADU has a driveway for parking of its own, then rent rates might go down on the actual house bc, essentially, the property land is being shared by different parties?

Does a cost seg or bonus depreciation actually help you in any way? 

Maybe there's an angle for seller financing or some other creative approach to get the seller the total return they want over time, but it's hard to say without actual facts and data.

They aren't the actual bank so need to upcharge these fees and hoping in volume they can make enough to continue operating. 

The program is neither good nor bad, there's just different pros & cons compared to cash paying tenants.Have offered to schedule a call with you numerous times to try and assist you, but you seem to prefer posting & posting & posting - which will take so much longer:(What are the chances you'll actually invest someday, given how long it's taking you to do basic research?

Our company is actually starting an Asset Management Mastermind to address these infrastructure issues and share our systems and procedures.