My plan is as follows:Keep stuff in my name so I have more lending options and better rates, including credit unions. 

Research prices, network with agents, visit properties, consider financing options, and conduct thorough tenant screening for reliable tenants.Good luck!

Based on my budget can someone guide me on a few options?

Does TN now offer free utilities? 

Wondering if there are DSCR options for 2nd mortgages where can pull out for example just $100k without refinancing the first mortgage?

However, if it’s only one or two months, I’d highly recommend offering cash for keys just to get the tenant out. 

I don't love the property management options in the area and I live here.

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The option of paying all cash doesn't really give you higher CF.They both started with the same $100k...and they both had the same $100k in equity (both paid for it the same) at the start. 

Each option has its pros and cons, and I'm hoping to get some insights from this community to make a more informed decision.Option 1: Building an ADUPros:Increased Property Value: An ADU can significantly increase the value of my primary residence.Control and Proximity: I can closely manage and maintain the property since it's on my land.Potential for Higher Rent: ADUs in bay area can fetch a good rental price.Flexible Use: ADUs can serve multiple purposes – home office, guest house, or rental unit.No Additional Land Purchase: Utilizing existing property means no extra cost for land acquisition.Foundation improvements: I will get an upgrade for my foundation which increase house stability.