I am about to break ground on the remodel of my home and am building an ADU over my garage for the same property.My question is....is it worth spending the money to separate the utilities or just have one water, electric and gas meter?

Loans become more difficult to obtain, for the simple reason that the interest rate is a factor when it comes to approving mortgage loans – just study the formula of monthly income compared to the mortgage payment because lenders use your debt-to-income ratio to figure out how much of a loan payment you can handle.

So dont the lowered sales price affect all other comparable sales in the area?

They often send letters like to this to fish for payment without legal grounds.  

The examples I read about don’t compare to the prices I’m seeing around here.

And then if you get a commercial loan, you might be able to do the appraisal as income approach, instead of comparable sales (I don't know for sure)

Check if the outlets are grounded.

Depending on the amount of time you have to spend on managing the tenants and dealing with finding new qualified tenants you may want to at least compare the costs of hiring a Property Manager.

Jacob Henderson your capex/repairs seems high compared to the income you would be getting (even looking at income coming from both sides).

Its almost borderline ridiculous when you compare the availability and quality of homes on the market from 2015-2017 to today, some may even get frustrated.