Is any lender going to know that you are living in the lower garden non-conforming garden unit....highly unlikely.Also, I think an important thing to distinguish is illegal units vs. non-confirming. 

I would highly suggest getting into a market you at least somewhat know, are comfortable with, and/or have some sort of tie to. 

Hey guys, I’m trying to expand my real estate portfolio and my formerly pristine credit is getting slammed by all of the hard credit checks that it’s been going through recently. How do you guys maintain your credit w...

In addition to the high cost of building, the low appraisal reflects there are many more owner occupied purchasers than investor purchasers so adding the ADU likely reduces the buyer pool. 

How do investors currently invest in this market when interest rates are so high then?

I have been given the opportunity to start an Investor division at my Brokerage.Our goal is to create a team of highly skilled agents who excel in understanding and meeting the unique needs of investors.

We have a half done rehab in north lawndale and already seeing new highs for the 2 unit comps, it seems the fastest growth is 2 units in areas that become more popular for owner occupants huge equity to be made. 3/4s cashflow more and more but not seen the % appreciation of 2s and houses. 

It all seems a little overwhelming and outside my skillset.I don’t want to give up just yet and think maybe I just need a boost of confidence and a push to make my first deal or acquisition happen.

CLTA policies.Negotiate Terms: If feasible, negotiate with the seller or title company to potentially upgrade to an ALTA policy if it provides greater peace of mind for your client and enhances future marketability.Educate Buyer: Ensure your client fully understands the implications of the CLTA policy versus an ALTA policy, including potential impacts on resale and buyer financing preferences.While lenders can generally lend on properties with CLTA policies, buyer preferences and market dynamics may vary.

With interest rates in high double digits, I was easily able to locate corporate bonds of BBB rating with 20 years of payments left and 8-9% coupons.