The R20 zoning does have it's limitations but an ADU of less than 800 square feet with off street parking is allowed and the permitting process is generally quicker because of the nature of the building.

Stoves (electric) tend to last about 5 years so I allow about $100/year for a stove.2.

And allows the smaller builder to build their experience.

There are a handful of creative, alternative options out there but I think the bottom line is that sometimes the city will allow people to get easements or share sewer lines if they deem that to be the most reliable and cost effective option.

Reason I tell you to only use part of the $50K is because its better to use the banks money.That also allows you to stay cash fluid and have reserves for repairs and renovations.

As a rookie landlord, last year I allowed pets but didn't charge an extra fee for them.Now as we're getting closer to renewal time (in 5 months), I want to start communicating the rent increase to my tenants.

This is a little surprising that such trolls are allowed here on the forums.

@Jessica PerezLenders don't allow down payments to be borrowed so if you are leading with that it might have contributed to why you have been told no by lenders.

If you allow the contractor to get ahead you may never see him/her again

The bank has agreed to place a second mortgage on it, allowing me to use it as collateral for other flipping projects without needing any down payment.