I'm not opposed to subject to, but my fear is whoever I am taking over the existing mortgage from will not continue making the payments.You make the payments.

Let me know if you have an existing group or interested in forming one in 2025.  

This amounts to lost opportunity because if you had purchased RE, at the closing it can start producing return. 5) ADUs detract from the existing structure whether this is privacy, a garage, or just yard space. 6) this is related to number 1, but there are many more buyers looking to purchase homes for their family than there are RE investors looking to purchase small unit count properties.

this has caused significant delays with a cash out refi on an existing rental.

Your best path is to work through your contingencies, provide loan commitment asap and then ask the seller.

On top of that, when you go to sell you learn the market has been stagnant and has not appreciated with limited owner occupants & investors are not willing to pay retail given the amount of distressed inventory that exists in the market. 

Buy a new primary home and rent out your existing home.

We are closing on our first South Bend rental property next week, as our local market opportunities have become non-existant unfortunately.  

I would not make this a legal matter, but you will have to decide if you want to commit to living with this landlord.

A lot split with 3 year commitment to OO will be a slow scale, but for someone starting out it s low risk with solid expectation of return.