Ok, seems not to be a popular idea. 

Losing a couple grand because you were ignorant about something and made a bad choice is one thing but losing your home to scheme is another. 

@Afoma Okwudiafor I'm actually not that familiar with ADUs in this area, though I know they're popular in other parts of the country (e.g., California).

@Jaron WallingI always like think about the risk and reward of every decision, what am I missing or not thinking about, and the opportunity cost (what am I giving up/ missing out on if I make this choice).

Approximately 0.00% of my clients with $3,000,000 or $5,000,000 in personal mortgage debt have the day-job income to support it, half of them had a conversation with me where I went over what choice to pick for Schedule E in cases where your CPA gives you a choice between a few options that are all allowed by the tax code.If you are buying cashflow positive real estate, your DTI will actually go down over time.

He explains this choice gives a higher chance of getting an offer accepted.I have played around with the numbers (i.e. full list price with seller contributing full closing costs vs. lower list price and seller contributing less closing costs).

Why am I confident with this choice?

Hello friends I do wholesale real estate currently in Texas where the closing simply goes through our title company of choice, looking to move into NC though i am aware that the closing process includes an attorney.

This is a very popular question among the forum.

As for outside financing, I think that is a personal choice.