I can share my version.I also require the new tenant to complete screening before they can be added to the lease.

I guess I'd be adding value to Dad's life by assuming some of his bills, but is this the best (or even logical) way to break the code? 

I've never paid more than about $400 and that can be added to the loan. 

“Don’t become a motivated Buyer “ I’ll definitely be adding that to mindset .

The two rentals would have their own outdoor spaces and separate entrances, but one is directly above the other, so I have concerns about privacy.I think it would only be worth it if the basement apartment can be added to the square footage of the house because then it would add equity which we could use to do a HELOC to recoup the cost of the remodeling work.

ADU applies to SFR. 2,3,4 unit would be adding additional unit, so lender will see this as commercial.

yes, its declining in all educated areas. but housing costs will continue to go up. in our Multifamily rentals, we will be upgrading everyone's living standards to assure we have upper-income earners as tenants, will be adding separate Electic Vehicles charging and 1st $100 of electricity for free included in the rent with Solar panels offsetting the cost producing the electric we sell to tenants. also adding Smart building ready FOG network for security and looking at new Smart Toilets the five-star hotels have been installing.

That may be able to be added to the policy but most likely it will need a separate policy.On a different note, I would check into the laws/rules on living in the camper. 

Hello ,My 15 year old HVAC went down today, the motor needs to be replaced it will cost me over $400 and the refrigerant needs to be added that costs another $300 , just the diagnosis costed me over $250.

There is a leaf that could be added to increase to 10.