Yup standard house hack strategy.

adu tenant: use the binder method (youtube it). cite increased operating costs. do your own research on market rent first using actual rent comps. going forward, reeval every year. str studio: is there room to increase ADR?

I have 10+ years in the Finance Sector (not investments) but I can help you with your credit and give you pointers on how to improve your credit and increase your odds of better terms in the future.

The documents used are standard Fannie/Freddie instruments.

This cheap money approach was the main reason for inflation that forced the Fed to increase interest rates in order to bring the inflation back to normal.

That'll grow over time as rents increase but you will only see true cash flow when the mortgage is paid off and you own the thing free and clear.Hope this helps, best of luck investing! 

In my market, this can easily lead to increased home prices, closed transactions that had no inspection where there are a lot of issues that could have been identified by an experienced agent, and a bad taste in the consumer's mouth.  

Consider expanding your search to emerging neighborhoods or suburbs, target niche markets like students or retirees for more stable demand, and renovate units for increased value and potential higher rents.

Among the myriad of options, mid-term rentals are increasingly standing out as a golden opportunity.

If you are worried that lender might close the HELOC, draw all the max and put half in a short term CD and other half in checking.HELOCS did get closed in the crash of 2008A standard full doc refinance should have $3000 of hard costs plus impounds which are not really a cost, just on going expense.