9) adding multiple ADUs or adding an ADU to a quad looses F/F conventional financing.

And if someone tries it, without paying for classes or programs, they can either net a deal or loose X number of hours of their time trying it.

Any excess proceeds not applied to the investment portion may be taxable as "boot."

I have never held a mortgage 15 years (or even 12.5 years) and I have had quite a few mortgages.I claim that it is better to have the negative cash flow and use the $450k to achieve a return in excess of the 6%.  

A good rule of thumb is to keep 3-6 months of operating expenses in your rental account as a cushion.Once you’ve got that covered, you can start investing the excess.

I'd be happy to get you some rough terms to compare to other options that you have, but I also agree with Jay that you should be wary of just selling and loosing that equity that you've built up in the property.

I like to look for board orders, excessive fines for weeds/grass, stop orders, and unsecured premises. 

I am in danger of loosing the home and as this one would be my first home it is pretty devastating.

Interesting to hear that they are claiming that a lender sold all of their loans and kept the excess funds.

In a very loose rule-of-thumb estimate, your Net Income (revenue minus expense) may be about 50~60% of the gross revenue.