Amy,You are smart to ask A LOT of questions about the borrower. 

And feel free to contact me or my wife (Marcia Gilad, also on here) with any questions, we're both investors and lenders.

My question: is it legal rent the ADU under a lease agreement?  

I have a quick question for you all: Should you disclose a locked thermostat to guests?

That brings up the questions of is it different style than the surrounding houses, is that an issue or demand difference, etc. 

Brad - Start a new thread on the topic and post any specific questions you've got.

So, if there is a problem, or if there might be a better way to solve that problem, they don't see it, don't understand it when it's presented to them, and won't do that "creative" solution because of it. 

I'm working on getting a cash out refinance on a Rental property. I feel that the lender is asking for a lot irrelevant documentation. I have a small printing business, C-Corp not related to the rental property. I pay...

Quote from @DJ Thielen: This matter has been fully settled 100% with an ex-tenant MacKenzie Loper that was renting, but I was told she can’t post here, by her, because bigger pockets has now actually banned her from the site...therfore I’m posting this notice of settlement and confirmation that this matter is completely and 100% fully resolved and settled as of 06/25/2024.Anyone with any issues about myself or my company I’m happy to speak to you personally as I've been in businesses of my own for 27 years now, and you can view my over 700 5 STAR client reviews here at https://reach150.com/m/review/38018/empire-real-estate-dj-th...so please feel free to reach out directly to my personal cell phone 1-503-740-6029 with any questions or concerns I'm happy to assit you.Also IF you're a Real Estate Investor needing guidance or help, feel free to reach out I'm happy to so how I can assist!

Start with formulating your new layout around any existing plumbing sources, and then go through the same questions outlined above.