It makes no matter how much money you have in the bank until you pay off bad debt you actually have no savings.

Or it could be some feature of the home or the location that's making it the second choice for buyers. 

Totally agree.When signing the lease with the tenant, I only give them one choice - deposit it directly in my Wells Fargo account.

Was it the location, rents too high for business model, bad operator, bad ingredients and menu, or a combination?

I personally tend to think that some people go looking to make trouble, and then they try to get out of the trouble they made by excusing their bad behavior as some sort of "trial by fire" of my customer service skills that I failed.

Was bad when I started.

ADUs are still fairly new on the east coast so there's no precedent for this kind of thing that I can find i.e. using a Homestyle loan as an investor to build a new, detached ADU.The downside of the investor choice is I can't legally live on the property unless I disclose this to my lender.

Turned out to be a bad tenant who thought she owned the place more than myself.

however a 13% cap rate on $128,000 house presumably in NC is not bad at all

@Kevin Dong I feel like I have no other choice right?