I think a big catalyst this year across all areas of real estate will be the unemployment rate and personal income growth within the Kansas City metropolitan areas and surrounding cities.

Either would be a great option; I'd probably choose Roseville because it's more established, but the City of Elk Grove deserves a lot of credit for its impactful growth programs, so it wouldn't be a bad option. 

So, this is the second thread in which you've attacked my ability to do math and my integrity.  

I then plan to do this again or maybe 2 more times depending on the ability to stay under the VA entitlement cap. 

We have the ability to prove and back up everything we say.

For instance, a friend of mine transitioned into the BTR market in Austin, Texas, after noticing consistent rental growth.

@Lilia Very refreshing to see such a positive attitude and ability to bounce back, I am sure you will succeed in your investing journey

Even if their online banking and technology is not as strong, the ability to take advantage of their ancillary banking services, most notably their real estate lending far outweighs any minor inconveniences. 

And as investors we should know this, but always anticipate higher costs and longer waits.EXAMPLE Breakdown of Costs:Plan Purchase: $1,500Permitting Fees: $2,500-7,500Site Preparation (grading, utilities, foundation): $20,000–$30,000ADUs require separate utility connections for water, electricity, and sewer but you can tap into existing utilities at the primary houseIn Raleigh you CANNOT split lots fee simple, so setting up completely separate utilities would not allow you to section off the ADU as of nowYour ADU must be on a permanent foundation (no wheels, no ability to move the structure)Construction (labor and materials): $100,000–$150,000Low-grade: $150–$180/sq ft averageMid-grade: $180–$220/sq ft averageHigh-end: $220–$250/sq ft averageLandscaping/Finishing Touches: $5,000Total Estimated Cost: $125,000–$200,000You could easily spend $200k+ with super end high finishes, custom designs, complicated sitework, adding a second story or more sqft, etc.

The Sampling Method is typically used for properties with nearly identical blueprints such as fast food chains or nursing facilities.EXPERIENCE OR “RULE OF THUMB” APPROACHThis approach is based upon the specialist’s experience in the industry and their ability to estimate the costs.