Purchase price: $175,000 Cash invested: $30,000 Single family home that I have had rented with Section 8 since 2005.

Long story short I purchased a home in an overinflated environment for $500k.

These assets encompass 33 houses and a $5.5M stake in 2000 units of multifamily across AL, AR, CA, FL, IL, IN, MA, MO, MS, OH, OK, PA, TN, and TX, and also cash, stocks, and renewable energy.

Just like @Russell Brazil said, I would review your contract to see if any of the established terms are not being followed.

Which option will you choose, which one will be cheaper from a long-term perspective?

Interpleader term that requires the QI to deposit funds with the court in case of disputes or 3rd party claims.

Or you can short term rent (STR) the ADU and start collecting now.

Moreover, you'll receive more favorable terms/rates utilizing a primarily home loan product than an investment loan. 

Duplexes can be a fantastic way to generate cash flow-just watch zoning laws, hire reliable contractors, and stay updated on rental trends.

A substantial portion of my real estate transactions 'work' because the borrower was paired with a lender offering unique qualification or feasible terms that meet or exceed the investors original ROI, COC, down payment or general investment goals.