Others like it but ill pass.

For example, we renovated a kitchen in one of our rental units and we had the cash to pay for it, but I put it on a credit card because it was interest free for 18 months, plus 1.5% cash back, as well as a $150 bonus....so now ill just let that balance linger and make my monthly payments and then when the intro period is close to over, ill pay it off and maybe never use that card again, or maybe pay it all off except a couple hundred so they can get a few bucks of interest on me.One thing I have noticed is that if they never earn any interest off you, they wont let you open other cards or give you anymore good offers.....they will reject your application.

Would be happy to hop on a call and talk more if you would like but Ill put my thoughts here as best I can. 

We are also working on seller financing for part of the cost to lessen the amount needed to hit 20% as we don’t think it makes sense to pay PMI here. basically thinking ill make monthly payments to them over the next 2 years.

If the death were from natural causes say, an illness, most buyers won’t care.

Many towns may not allow an ADU, while others will not have sufficient governmental oversight to even care what you do as long as it's not a house of ill repute.

I think ill move it to 5% because I also have another point for collection loss just incase.

Ill have to spend some time with them during new construction jobs...

If you haven't  dedicated man hours reading articles, books, watching videos, doing scenarios on Bigger Pockets calculators, reading through forums, made sure your credit and liquidity is on point, then again the answer is a resounding NO5-If the answer is yes, then consider your exit strategie and tenant screening strategies.  6-First time out you may consider Section 8 tenants who your Property Management company thoroughly screened.7-For Fix and Flip consider small properties in not as "hot" areas so you don't blow all your funds on a flip gone bad.8-Finally, if you wait until 2020 and combine your funds together to buy more real estate, GREAT but just remember if you still hadn't dedicated serious man hours reading, watching and analyzing deals, then you're going to be ill pre-prepared come 2020.

Is there a way to confirm ill be able to refinance into a mortgage product, before closing?