So, your prediction that there would be at least $20k more if everything is included should be accurate.The reason for choosing a JADU is that converting the garage into an ADU would require a separate laundry setup and an additional electrical panel in the main house, which would increase the renovation costs for the main house itself.

Growing a roster is a great way to create predictable revenue too.

Using a double headset you can call two numbers at once and a predictive dialer can call more.  

However, as you mentioned, appreciation is tied to external factors, making it less predictable in some markets.Greater Toledo Market:When looking at the Toledo area, there are certain neighborhoods where appreciation potential may outweigh cash flow, but it requires a strategic approach.

One thing I did was create templates for different types of investments, stocks, crypto, so I can quickly update them without creating new docs from scratch each time.If you're open to trying something new, I’ve also used Excel, especially with its built-in templates for tracking finances.

That’s far better than they can make in the volatile stock market  annualized year after year in cash flow alone.

We want to map out all 145,928 steps and predict the outcome before we even make that first offer.

According to people who study the stock market, there is a common theme, "buy the rumor, sell the news."

Long-term is very difficult to predict and ever-changing, especially in these times.  

Moreover it will make it nearly impossible to grab a better investment as forking over nearly 10k/year in cash makes adding to your portfolio (stocks, bonds, real estate) nearly impossible unless you make very good wages.If it's inclusive of all expected expenses, you're in a good position and you should probably hold on to it.