In addition to the negative equity position, ADUs have other issues:1) the financing on an ADU is typically far worse than for initial investment property acquisition or is often not leveraged (HELOC, cash out refi, etc).

I'm financially stable with good income, low debt, and good credit score. 

I do have a good radar for judging people I worked as a nurse in Prisons including working  Additionally, I self manage a property in Arizona out of state.I do realize I need to build my team for out-of-state investing but I am not at that point yet first I need to start analyzing the area.Thank you!!!

Additionally, inquire specifically about Non-QM loan options and whether they have experience assisting self-employed individuals in situations similar to yours.Remember to carefully review the terms, interest rates, and fees associated with any loan offer to ensure it aligns with your financial goals and investment strategy.

You'd also need to make sure the property debt services at that high of an LTV.

Some grants are deferred payments, or will be an additional amount added on to your mortgage. 

But most investors roll into a Debt Service Coverage Ratio, DSCR, loan.

In my mind, that outweighs the additional interest you will pay. 

I strongly favor regular price reductions until leased out.Most people make the mistake of letting it sit too long when simple math points to that fact that 2 additional weeks of vacancy at $1000 per month equals $500.

No major additions or big construction.Without running a full appraisal, I can only guess on the value, but I think it'll depend on how good our wholesale deals were below market rate.