It is a bad habit or is it Caffeine too!

You are responsible for any harm you might cause, of course.

Otherwise, Robert Kiyosaki (https://www.richdad.com/) encourages his audience to leverage bank money, whenever possible--as long as it's not going to put you in financial harm. 

Here is how to register: https://denver.narpm.org/event...HB23-1068 Pet Ownership in HousingPASSEDHB23-1095 Prohibited Provisions in Rental Agreements (Class Action Waivers)PASSEDHB23-1099 Portable Screening Report for Residential LeasesSIGNED INTO LAW, EFFECTIVE: 8/6/23HB23-1120 Eviction Protections for Residential TenantsSIGNED INTO LAW, EFFECTIVE: 6/7/23HB23-1186 Remote Participation in Residential EvictionsPASSEDHB23-1254 Habitability of Residential PremisesSIGNED INTO LAW, EFFECTIVE: 5/10/23SB23-148 Illegal Drug Laboratory Property and CertificationPASSEDSB23-184 Protections For Residential TenantsSIGNED INTO LAW, EFFECTIVE: 8/7/23SB23-206 Disclose Radon Information Residential PropertyPASSED

Trust me it's a challenge, habits are hard to break for these tenants. 

Sure, if you want something to fall back on i'd say finish the degree, but throwing good money after bad is a very bad habit to start with.       

More income never saves them from their lousy money habits.

See code below.IRC CodeSECTION R310 EMERGENCY ESCAPE AND RESCUE OPENINGSR310.1 Emergency escape and rescue opening required.Basements, habitable attics and every sleeping room shall have not less than one operable emergency escape and rescue opening.

If you get in the habit of watching your cameras.... you will never succeed.

I would prefer one on a foundation but my town won't allow an ADU that has a bathroom and/or sleeping area to prevent the use of a ADU for habitability.