They are typically the opposite of value adds in that they typically have a hands off cost more than the value added.Your broker is correct that Fannie/Freddie are not to use the rent from the ADU. 

Yes, there are many free resources out there, but books are one of many low-cost educational pieces that pretty much everyone agrees are worth the cost.Happy reading! 

VA construction aka One Time Close is a great program to buy and build on a home.Keep in mind that some of the construction costs would need to be paid prior to closing.

The shorter the prepayment term has an impact on increasing the rate.4.

You can get creative with recasting mortgages, refinancing, etc. but at the end of the day these things cost you money. 

The insurance company may cover some or all of the restoration costs.Scope of Work and Budget:Detailed Inspection: Get a comprehensive inspection to identify all areas of damage, including hidden issues like electrical, plumbing, and HVAC systems.Cost Estimation: Obtain detailed cost estimates for the restoration or rebuilding process from licensed contractors experienced in fire-damaged properties.Environmental Hazards:Asbestos and Lead Testing: Older properties may contain asbestos or lead, which can become hazardous after a fire.

The shorter the prepayment term has an impact on increasing the rate.4.

My loan broker was able to get me set up for my VA benefits of $0 down and only $1k and some change for the closing cost, with an APR of 3.25%.

The shorter the prepayment term has an impact on increasing the rate.4.

Buying outside of those hotspots is not so expensive, but yes, prices have increased since the lows right after the hurricane.