Even if the ADU adds value close to the cost of adding the ADU, there are other reasons that adding an ADU is often worse than other RE investment option. 

It's changing the whole vibe of the city.Worcester used to have its own identity, but now it's become a commuter hub for folks working in Marlboro/Hudson, Natick/Framingham, and even Boston, thanks to remote work options.Let's break it down.

But I also felt strongly that I wanted to live there myself for my bachelor years, that I should take advantage of low interest rates, and that it would eventually at least break even as a rental.. so no regrets.

Prices have gone through the roof in Ludlow in the last year to the point where most of my analysis only breaks even if I am being conservative.

I've wondered if I can use the address even though I don't receive mail, or possibly getting a P.O.

@Michael Baum this is awsome, I am now even happier that I chose these LG machines.

Is it not a good deal if you will not be able to get your money back even if you are debt-free on the property plus some remaining cash after refi?

She was very angry that I turned down her applicant and even accused me of discrimination.    

Helocs must also be calculated in underwriting based on fully exhausted payment meaning even if you only use a portion during the next purchase they underwriter will hit you with the full payment for risk.Cash out on the other hand is a liquid reserve tax free and it only requires (1) mortgage/lien.

BiggerPockets also has a calculator you can use to analyze deals and I highly recommend you start this as soon as possible, even if you are not ready to buy.