There is a world where you could use a HELOC, but the line of credit you'll be able to get won't be big enough to justify the labor that goes into underwriting and servicing. 

I have read the city’s guide https://www.slcdocs.com/Planning/Guides/ADU_handbook.pdf but I still have questions.1. can tell that till require the owner to live there for the ADU. 1a is it for permanent residency or is it justified if it is a second home that I would use occasionally?

However, keeping the property and borrowing against the equity (via a cash-out refi or HELOC) allows you to maintain your tenant and rental income while leveraging the equity to expand.Key considerations:1031 Exchange: Great for avoiding capital gains taxes, but make sure the new property offers better returns or diversification to justify selling.Borrowing Against Equity: Keep the steady Denver appreciation and tenant while using the funds to acquire another property.

In this way, I never need to be concerned about justifying my charge to their deposit because the damage is clear and obvious. 

Yes it becomes a lot harder to justify Quickbooks when the prices keep going up every year but I still think it is one of the premier accounting software's.

thanks for helping justify my decision to stay with Stessa.  

Dmitri then called the 10K an "onboarding fee" as a means of justifying why the fee would have to come first and reiterated that it would be 10K up front for every property I might want to purchase (if my intent was to purchase 2 properties it would be 20K up front, and if my plan was to buy 5, then it would be 50K up front). 

However, with limited cash available, you’d need to ensure the return justifies the upfront expense.

To justify the land cost (if I recall), you needed an already functioning property in the land and needed to add the Tiny home. 

It's nice to see some math justifying your explanation even with the many variables of uncertainty.