Even though I was cash challenged I held onto my house (putting past due payments on the backend) and had equity to sell, pay off debts, and get my credit in check.

In addition, the deals will be based on long-term rental outlook, but we are going to see how a mid-term rental strategy pans out for the higher cash flow in the short term.

Can be utilized to reach a higher Loan-to-value (LTV) by pledging against an additional free and clear home or property. - Portfolio and private loan options.

Simple addition to a SFH?

Seller is paying $5,000 of closing costs and a $5000 credit towards a contractor for repairs found during inspection.Here is the part that is bothering me...

Depending on your market buying a duplex might be feasible but many down payment assistance programs do not offer credit for multi-families. 

The SFR + ADU is worth less than a Duplex because the ADU is viewed as an amenity rather than an additional unit so your appraisal will look for other SFRs with ADUs and provide line item adjustments for homes with and without ADUs much like having or not having a pool or a garage.

@Juan VargasCredit card stacking is an easy to to ruin your credit and go into massive consumer debt at an extremely high interest rate.

We would likely want to convert the detached garage to an additional office/ADU, so thats the main reason we are wanting to go this route.

Let me know if I can assist with any additional questions!