I was able to rent the garage to a seasoned electrician running his business through there only coming in and out to stock his truck once per day.I hope to be able to convert the second floor into an ADU as soon as Feb 2nd rolls around.

I don't like stocks etc.

They remain distinct on Form 1040 with different tax treatmentOnly capital losses can offset capital gains (except for the $3,000 allowance)So even though material participation makes the loss non-passive, it's still an ordinary loss that cannot offset capital gains from stock sales on the return.The only way capital losses can become ordinary is upon the sale of your property, and that loss could offset your W2 salary.  

You would then stress to not incur any improvement cost above $22,000 or you may have to liquidate the property.In this scenariod, $60,000 if you are making an above return at 10% to 12% annually + $30,000 making $4% in a HYSA, the average return is maybe around 8%The blended return would be about 9%You may be better off investing in the stock market, get a slightly lower return but without all the added stress / work.

I am also really interested in the stock market and the real estate industry! 

Instead of paying billable hours for every case, a salaried attorney could handle the same volume of work at a more predictable cost.Service Quality: I also see an opportunity to provide better service to ourselves and the owners we represent.

The guy that turns on and off the lights in the P&G lobby has a couple million in stock.

Could you put it on a CC and pay it off within the billing cycle with either your income or selling some stock if absolutely necessary?

I like following stock markets, cryptocurrency markets and love to travel.

However, if you want long-term stability and predictable payments, refinancing might be a better option, especially for larger projects.