If you are planning to refi I highly recommend not doing any more price drops.

Here in Chicago, we charge to walk properties with our clients, so you could double-check with some of your local GCs in Seattle to see if you could pay them for their time. 

That being the case, even with an ADU, I would be paying at least 10k a month for the mortgage and taxes, and then have to get extra funds for the ADU, and I would not have that income for the first while. 

As I expand my portfolio, my focus will be on diversifying investments, optimizing property management, and leveraging refinancing options to maximize returns.My long-term vision includes stabilizing my portfolio, achieving financial independence through passive income, and strategically planning for growth and exit strategies.

The plan is to use a 5% conventional loan to purchase a Primary residence.

That takes my time most nights, and weekends to receive/pack/ship those products but is super flexible with time.On top of that, I self manage 6 of my own rentals, the cash flow pays for my current mortgage and repairs so it makes living in my primary house free.Experience now:My wife and I have 6 rental homes locally, all rented, all cashflow.

Second, I pay for all utilities (Electric, Gas, Water, Yard Maintenance, Internet, etc.) and have it included in the rent price.

I'm unsure if route A) Payoff the car note, and patio with liquid.... and do a 2nd mortgage on the single family (40-50k) for the downpayment on the investment property, or B) just use the liquid to pay for the downpayment and ride out the car note and patio till when its due.Had a rough quote on the 2nd mortgage which would be 500 monthly, and I guess a follow up question would be; If going route (A) would I need to get the 2nd mortgage before or after pre-approval from the builder?

AGNC paying me 14% dividend and should rise >10% over next year as long bond yields fall due to falling inflation like today, or rate cuts, or recession. or equityREITs, like BSRTF, owns multi-family in Texas/Arkansas/Oklahoma, in good long term growth areasgood luck :)

I also don't want to have to pay to furnish a 2,000sq ft home for those, or for a padsplit.All help appreciated!