One thing to consider is that your client's lender will look at the T3 income to determine DSCR and LTV which both play a role in proceeds.

Borrowers are so spoiled with having to bring in very low amounts of money to do these deals..those with ACTUAL cash are going to clean up I think.. as the borrower with not quite the financial horsepower to play will have to sit on the sidelines for a while or they better be looking for equity partners..  

Much less risk than their basketball game at the park.So some people I know are raking in the money, cooking food, making deliveries for the hardware store, and stocking shelves in a store, working 80 hours a week, with the pay rate higher than normal and bonuses. 

I know it's on the down slide but not sure it will be that long or may be more depending on how long this COVID-19 episode plays it..

I would only let my kids play on our half and they can keep their dogs on their half.

Your ability to underwrite and manage contractors will play a huge role in success or failure.

I think the risk is minimal as long as you play by the lender's rules and prepare to pay the accrued balances if needed.

If you are going to play, just make sure you play smart!

Even if you play the long game with stocks you are going to be set up for a nice retirement fund later on.

Eventually, I am going to be renting both units in the house, so I am assuming I want to play it safe and get the potential ADU permitted the right way.