You could do many of these and increase capital, and/OR do this to find a discounted property.The next area you can earn more capital or decrease the amount to pay for a property, is rehabbing and possibly flipping.

You can find higher ROI (on paper) here and probably in other cities…but the probability of actually collecting rent significantly decreases.

After financing the build of the ADU, dealing with tenants and everything that comes along with that, sacrificing your own space if you occupy the home and the decreased value of your property due to the fact that there is no longer a garage or a good portion of outdoor space is taken up by this ADU....

Obviously what some of them have done is decrease consumer spending and increase savings.

Not only would it decrease your monthly mortgage but you'd be able to get into it with a very little down payment since you'd be living in one side of it. 

I live in Lancaster, PA and it's a lot here that's very positive.Our market is historically pretty stable and hasn't been subject to sharp increases followed by sharp decreases in property values.

I set these base rates a year in advance, knowing that prices increase from Jan to Feb to Mar to April, and then decrease starting in May in the desert environment of Joshua Tree and Yucca Valley, CA. 

However, inventory levels have decreased, with 1,191 homes for sale in December 2024, a 4.3% decline from the previous month, suggesting a tightening market.

They include higher the interest rate and lower the terms will decrease the discount needed. 

so you have a store of value that will decrease in value if you liquidate it?