I think you may ask how many adults and how many minors are applying to live there.

What's the best way to find and apply for these?

@Eric BilderbackNYC will fine you a cool $1M per year for not complying: https://www.npr.org/2019/04/23/716284808/new-york-city-lawmakers-pass-landmark-climate-measureOf course this only applies to buildings over 25k sq ft.

Does the lift on owner occupancy applies to existing ADU built before 2020 in East Palo Alto or other cities other than San Jose?

I am fully aware that much of the technical stuff you guys discuss would not apply to the danish laws and regulations.

You've heard that you have to occupy a home that you purchase with a personal loan at 5% down for one year so you can't rent it, and you're applying that to a multifamily or roommate situation with the same property.The reality is, you can rent your property immediately as long as you occupy it.

Applied a flat % gain on rent increases annually, doesn't account for mortgage payoffs, applies same tax rate across time regardless of income changes, etc. 

One time i paid off a loan and my escrow account had 9k in it.. they never got it to me I forgot about it until someone was checking with lost funds in Oregon and noted i had 9k sitting there LOL.. which i applied for and got back but 5 or 6 years later :)   

@Nicholas Welch I would look for a lender that can apply the existing rents to your income.

Some questions I have before getting started is 1 should i apply for a bigger loan and purchase 2 properties or stick for one more expensive rental property?