Right now, we’re carrying about $60,000 in debt ($40,000 in credit cards and a $20,000 car loan).

It's possible he carries it out, but I believe it unlikely.

A large ticket item could eat up the cash flow for years out.  

Have an itemized   Otherwise your bill will go out of control and you won’t know why. 

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

What were the biggest line items?

I would not eliminate OKÇ based on tornadoes, that is why you carry insurance.It will very difficult to find something in Austin that fits your budget.  

Some special assessments are already board-approved for 2025 and 2026 to help raise capital for such items, however I know when the time comes there will be a loan which likely demands a higher monthly payment for owners -- reducing my cashflow. - Based on sale of other units in the complex, I believe my current equity to be roughly $160,000, a little more than 50% equity. - The condo is currently leased through April 30, 2025. - August 2025 will be 3 years since I moved out.

So this is a Quadplex, very cool.Ask him if he would carry back a second for part of the loan.

They make ordering items from different companies easy, and you get discounts from each store that has partnered with them.