FHA does not work in San Diego market on triplex and quad due to sustainability requirements.Late last year a new OO loan product was released that allows 95% LTV on up to 4 units without the sustainability requirement. 

Property appraised for $140k last year. 

Over the last 3 years we have been working on and remodeling the cabin and getting to know people in the area. 

Also who would screw with someone whose last name is Fang?

The new insurance let me know last minute that they could not start the policy without a document that took me a while to get, so I ended up to be uninsured for about two weeks end of December and beginning of January.

Lowered to $1.05M toward last fall, and still nothing.

The last two story ADU garage conversion cost about $2,500  for a 1,000 sf project.  

@Brandon StilesYou seem to have it down...But to your last para.. 

Of course I will hire a property manager Cleveland, Ohio is a great market to focus on for cash flow and specific pockets have gone up 2x and upwards of 4x in the last 5-10 years even!

We just spent the last week here and my client from the states that I fund some of their US based BRRRs' is working on a Private Island development in Belize..