That's when it hit me.I believe that even though none of the properties these tenants were living in took damage from the storms, they applied for FEMA assistance anyway.

Looking into my crystal ball - which I still keep in my closet from my previous life on Capitol Hill - neither of these risks have a realistic path to a meaningful economic effect.

This effectively guarantees they will buy the loan at closing.

You should also be well versed in the local vacancy rates and how they effect your unit and turnover times. 

You said it also effects your income till it's done so that would be another reason not to add another currently 

And, you need to cure your liability (you cannot use a city easement without obtaining a Grant of Easement from the city - a legal document to be filed with the Clerk of Court).You've done everything you can to mitigate the damage to your home and I applaud you for it.

Specifically, I’m looking for tips on where to start and how to effectively implement digital solutions in a way that aligns with our needs.I’m also more than happy to share my own expertise in architecture and real estate development, wherever it might be helpful to this community.Thanks!

If you are taking care of things, any punitive damages would zero or very small.

I did not want to incur the cost but I figured...that maybe....just maybe....sometime in the near future us ADU home owners may be able to rent both units....like a duplex.At that point it will be worth it to let the tenets be responsible for their own bills.Not saying that other ways are bad...they are actually very cost effective if you are living there...but what about as you scale your business and move onto other properties.This of course if your city will allow you to rent both units...the city I am in is tough but things can change as more pressure is being put on affordable housing.Once again...not saying any way is right or wrong...I just did it this way for the reason I just mentioned.Thank you....

Plus damages.