Akshay,If your moving out of a SFH primary and claiming 2-4 unit MF as a new primary it can present an issue with certain lenders.

discrimination  issues. 

Late fee is considered reasonable if it is not more than 12% of the rent for the rental period under the lease for a dwelling located in a structure that contains not more than four dwelling units or 10% of the amount of rent for the rental period under the lease for a dwelling located in a structure that contains more than four dwelling units or the late fee is more than the applicable amount but not more than uncertain damages to the landlord related to the late payment of rent, including direct or indirect expenses, direct or indirect costs, or overhead associated with the collection of late payment.A late fee may include an initial fee and a daily fee for each day any portion of the tenant's rent continues to remain unpaid, and the combined fees are considered a single late fee.

I also vote no to ADU option - it’s not going to add much value relative to your building cost.

I would ask. c) The issue as to whether they should occupy the home is largely immaterial to you.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Adding keywords related to your investment strategy or market locations can be updated in your settings.

You can definitely get cheaper ones, but we've had durability issues with really cheap ones, and even a lot of them arriving with cracks in the surround.

Usually, the issue here is the land.

The sum is medical in nature and the reason I would like it to be relatively liquid is if I have any medical needs stemming from said issue.