You didn't mention what your PITI is and what kind of income your ADU brings in but I'm guess you're close to living for free.

Original Purchase Price$305,000Down Payment$28,793Closing Costs$11,527Rehab Costs$80,500Mortgage Costs$30,056Utilities$1,275Taxes$2,729Insurance$1,251STR Furnishing$10,142Total Costs$125,953LTR Income$7,000Net STR Income$21,234Total Income$28,234Total Capital Invested$109,246Appraised Value$540,000Loan LTV%70%Loan Amount$378,000Mortgage Balance$325,148Closing Costs$9,805Cash out$43,047Net Capital Invested$66,199Starting Equity$133,207Value Created: $67,008Hours Worked: 595Hourly Wage: $113I was only able to refi at 70% LTV, so I left $66k in the deal.

Using income assumption of $3400, so after buyer fulfilled one year obligation as owner occupant.

But you generate $290-$310 dividend/interest income too from your portfolio.

You also lose the income and you have the expenses of getting the property rent ready.

The capacity exists to build hundreds of thousands of homes per year that directly benefit low-income areas. 

I can certainly see what you mean about using SALY as a friend for most years, but unless you want to stay current on all the state/federal income tax laws, you may want to seek out a professional every few years to double-check.

(the pricing is awful with only 10% down however). the advantage of calling it an investment property is you can use potential income from the property to help offset the mortgage payment to qualify.

They are qualified based on the properties income vs the payment.

here's the shortest version on my situation:1) bought a house for mom in 2005 - she lived there til 2011 (not nearly long enough) did not charge rent2) rented the house maybe 4  intermittent years between 2013 and 2018; filed taxes accordingly with 'income' and 'depreciation'3) lived in the house between 2018 and 2023 when I sold it: almost exactly 5 years to the day 4) cash (after closing) was @ $240kA friend suggested that I may need to repay depreciation?