@Allen Bannister first off, I'm a HUGE proponent of house hacking with a 5% conventional mortgage--I've done it myself many times, and it's arguably the BEST way to get started in REI, so good choice!

While my main role involves sourcing off-market properties, I want to make it clear that this isn't a sales pitch.

My reasoning is because I simply do not qualify for a loan for any properties out here and units that are being sold off in smaller multi-family properties have ridiculous HOA rules that make it quite difficult to cash flow or just pencil out in general.

First off, you're a landlord.

Cash out Refi w/wo co-borrowing with my sister for 75-80% LTV and use remainder after note is paid off for ADU.

You should get out a spreadsheet and add up any expenses you'll be paying and take this off the annual rent (taking account for vacancy).

What would be a good example email for me to template off of? 

Thanks Jeremy, I have a roof inspection scheduled for tomorrow.The interior is a little funky with the split level design, but I have found that it works pretty well in another one of my properties so I am not too scared off by it.  

your business will have it's own tax return depending on how you structure it and you'll get a partner return either profit or loss and that will pass through to you typically if you are an LP. if you are GP it's a little different. you also get the depreciation of the asset as a tax write off as well as interest expense typically. 

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