Curious what people do in this circumstance. thanks for your input! 

I'm also seeing opportunity in people "locked into" their low rates, but having a life circumstance changing their needs.

The best choice depends on individual circumstances, including budget, credit score, and long-term plans.Good luck!

Greetings: What I have been doing with my 1br ADU has been charging a ratio by square footage & circumstances.  

Capital calls can happen to extremely experienced investors (including multiple gurus that I follow) when unforeseen circumstances occur. 

You need to know that Single Family Houses do not make Money, unless you find some Special Circumstances.

Under most circumstances like this, I advise my clients to deny the application when there is no way  NOT to lose insurance coverage, but I advise my clients to first contact their insurance provider to inquire about any provisions in their policy that would alleviate this problem. 

We’d like to assemble a real estate portfolio over the years, and would consider buying a rental property whilst living in our current home.I’m looking for any creative ideas or suggestions given our circumstances.

It's the distinction between someone with a real estate business and someone who buys real estate.

While this works in certain circumstances (IE you are buying under market value and rehabbing to increase to full market value) it will not be as simple as putting lipstick on a pig and commanding a higher property value.