This is strictly a business purpose loan only.

I just liked the personal touch of the outreach with some value-add. 

Depending on income and credit there are always credit card, personal line of credit and personal loan options available out there

If your renter’s insurance is truly leaving you high and dry make sure to switch immediately, this is truly their purpose in life. 

Don't ever put your other personal asset as collateral for any Kinda of loan.

I both agree and completely disagree with this list.What is an advantage to one person, can be a detriment to another.  

Here is text taken from the HOUSABLE website for Oakland:Utility ConnectionsCategory One: No new or separate utility connection shall be required.Category Two: A new or separate utility connection may be required, but the connection fee or capacity charge shall be proportionate to the burden of ADU on the water or sewer system.Here are definitions of the ADU categories from the City of Oakland website:CATEGORY ONE ADU: Involves either conversion of space within an existing Single-Family Dwelling, or conversion or rebuild of an existing accessory structure; includes no expansion of the existing building envelope other than up to 150 sq. ft. for purposes of accommodating ADU access and egress only.CATEGORY TWO ADU: Involves construction of a new detached or attached structure, including an exterior addition to an existing structure to accommodate the ADU, in conjunction with a proposed or existing Single-Family dwelling.It seems that Oakland is making things confusing with the language they are using, but I still believe that my original interpretation is correct based on the State Assembly Bill. 

I personally invest in both markets myself. 

Mark Vandzura, I personally spent hours with you on the phone sorting out the accounting error that got fixed and you agreed was fine.

These are groups where other investors network and learn but in person.