my condolences on your recent lost.there are a few ways you can do this, as mentioned above you can take a heloc on your primary residence which will give you a second mortgage, first mortgage payment wont be impacted. you can do cash out refinance which will give you one mortgage and payment. it will pay the old mortgage and give you money in your pocket to pay for the rehab.or you can do a renovation refinance which is similar to cash out refinance but we would contractor involved  as part of the refinancing and they are paid through the loan

@Carl RowlesI recommend a HELOC or Heloan on your primary residence or the rental if you have enough equity in either.

Take advantage of the Capital Gain deduction of $250,000 in primary residence per “spouse”.   2.  

This is an investment property of the seller, not their primary residence.

I currently have a single family home as my primary and two investment properties.

I do have some balloon notes on a few properties, and I’m wondering if banks might see refinancing as risky since my primary income now comes from my rentals? 

My primary residence is an apartment I rent in Brooklyn NY.

Just be sure to clarify that she isn’t a leaseholder but is authorized to reside in the unit.If you’re concerned about liability or want more peace of mind, you could ask the primary applicant for additional security, such as a higher deposit, depending on what’s allowed under Colorado law. 

The property either has to be zoned a commercialZoning or - you have to own both HPR parcels and have one be a primary residence .

Even in HCOL areas, adding an ADU typically does not make sense because developing a single small unit is the most expensive residential development that exists.Adding an ADU is a lot of work (probably more than a brrrr but with worse return), has poor financing options, typically adds less value than the cost of the addition, and detracts something from the primary structure even if it is just yard and privacy.Good luck