. :)  dont know the answer but if I was guess there is probably some lenders that do it with sufficient equity.

Agree with @Chris Seveney- people LOVE making their ownership structures so complicated when you can mitigate risk in so many simpler ways. 

Quote from @Adam Czachor: Anyone having an issue with the forum not being in chronological order?

I will PM anyone on this thread that was looking.

You state that everything is equal but are concerned that not everything is equal...It's very possible to see a price spread like that even with comparable coverage but it's also vitally important you work with someone that has your back to make sure you understand your coverage before you'd have to use it.  

I'm in the messy middle as a residential agent who works mostly with investors and specializes in the small MF space.  

Well said Jordan, it's not as common in this market to have an ADU but there are some out there.

BP This question would be a great AI response since it has been asked before.  

As you increase in size and wealth, this becomes more valuable.

You can definitely integrate Zelle/Venmo into your systems but there's easier ways. 100% agree with this explanation BUT I think there is a sweet spot not mentioned.