This implies residential units can be built at lower costs and provide better return than building a single ADU.11) adding an ADU to SFH can make the SFH fall under rent control.

I have been digesting all things Real Estate so right now I am working to lower my DTI while saving at least 6-7% for the Owner Occupant down payment (to include closing cost, etc.).

There a handful that can do lower  than 620 at 50% LTV, however the rate will be very high My current score is around 670-680.

Contrary to most business lending, the REI industry has a lot of "non-bank" lenders that provide attractive loans that can lower your cost of capital and improve your profit/cash flow. 

Quote from @Chris Seveney: @Jay HinrichsAccording to the site:To purchase real state/real property, perform rehabs where necessary, lease the properties, collect rents, distribute income as dividends to shareholders.Rad Diversified realizes revenues from rents and interest on certain investments, as well as capital gains from increases in the value of its real estate portfolio.They are a REIT so they have to distribute 90% of their taxable income per year (which of course could be zero due to depreciation).  

The loss created by section 179 is limited to your total net taxable income amount from all "active" business income you have, plus any W-2 income. 

Well that is when the lower tenant feels like paying her 20% portion of the rent of $240 per month lol!

This would allow you to access some cash for other purposes ( Tax Free) because a refinance is not a taxable event.

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

I have lowered the price significantly this year.