Multifamily properties are highly desirable throughout the city and can be tough to find without paying a premium.

I know you mentioned that you served them notices already, but sometimes actual dialogue can go along ways in helping to communicate both parties sides more clearly. 2) Cash for keys - this is a tough one to swallow for someone in your situation, but sometimes incentivizing the tenant to leave either financially or with assistance with moving can avoid eviction, and may be cheaper than the actual eviction route.

Now, most of these smaller banks may only have 12 employees or so.

I know this might be a tough one considering how hot the market is.

@Ron Lamb being a former employee of Wells Fargo I would not recommend them for any type of investment property transaction. 

Hey Paul, just my opinion but I think it's going to be tough to find a lender to take this on.

Hey @Albert Ellis that is a tough one as most lenders have a 75k property value minimum requirement.

I would also recommend having a mentor available to walk you through your first transaction, there will be questions that come up that can be tough to figure out if you don't have the right resources!

Appraisers already have a tough time properly valuating ADU's since they are fairly new and they do not have enough comps to go off of typically.

If your property is in tough shape or is older; I would increase this reserve, but this is a rough calculation for a property that is in good condition, not in need of major capex.You can also increase this annually or do it on a monthly basis; i.e. $25 per unit, per month goes into a savings account and I will increase that x% per year.