If your interest payment is $8,125Your stocks have to make a dividiend of about $11,000 of which you would prolly pay 15% to 25% in federal / state taxes / NIIT.Assuming you will make a 10%-11% return is not guaranteed.You will also feel good about having a paid off property(relief).Furthermore, your credit score may go up with a paid off property.Best of luck!

As for valuation, I see no reasons why a Junior ADU would negatively impact additional housing unit.

Check with your local credit union

Otherwise, you may need to replace a water service (13-15k), electrical service (10-15k) and upgrade wiring (This is a tough one, but maybe an additional 8-15k inside).

The only reason he did it was because it led to additional work.

There are still people out there who only deal with cash, and are queasy about using credit or debit card to make purchases. 

Most commercial lenders want a 680 credit score,  or they won't talk to a borrower.      

I was able to fund a brrrr deal using 0% interest rate business credit cards ($95k across different cards), I didn't have to deal with lenders and their high interest rates or their draw request process to access renovation funds.

Coffered ceilings, low corner additions etc.Anyone can slap lipstick on a pig, looking for high value add in high demand markets is where the $ is.

.: I haven't passed this past legal review so for what its worth: Part of my standard requirements for everyone include income is at least 3X rent, minimum credit score, say 640, Clean record and no evictions as well as deposit is paid in full at signing of lease and 1st month rent is paid in full prior to handing over the keys.