That's right and wrong.There's a housing short, where it counts.

Having said that, I agree that it also depends on your bathroom count.

Now you can let it go to sale and hope it bids higher than the first you would get any overage but dont count on it.. more than likely you would love your entire investment.. this is a very frequent event..

@Cole HarrisKeep in mind that square footage has a lot to do with pricing as much as bedroom count and/or revenue. 

Business lines of credit don't count as funds to close, so you'll need to show and source sufficient funds before they give the go-ahead.

This amounts to lost opportunity because if you had purchased RE, at the closing it can start producing return. 5) ADUs detract from the existing structure whether this is privacy, a garage, or just yard space. 6) this is related to number 1, but there are many more buyers looking to purchase homes for their family than there are RE investors looking to purchase small unit count properties.

Multiple ADUs on any is not allowed, but I have only heard of it being an issue in SF zoned areas or if unit count hits 5.If you want to be sure of getting non-commercial F/F follow the rules. 

Maybe we’ll cross paths at a meeting!

Can you count that $4,600 as “rental income” or does it have to go under some kind of self employment?

Some lenders offer creative solutions, like a cross-collateralized loan, where they use your existing equity as security without refinancing the duplex.Another idea is partnering with private lenders or exploring a second-position mortgage, depending on your lender's terms.