The result is that the cost to add a hands off ADU is much greater than will be added by the ADU.  

It cost 200 per year for a million dollars coverage above and beyond your regular insurance.

Requesting Buyer to assist on Closing CostsWe requested the seller to offer cash towards our closing costs.

Florida will continue to suffer from much lower affordability due to increased insurance costs and taxes. 

I have gone kayaking often in the area and see great potential in BC!

What’s the typical cost for a dumpster?

Example with conventional I have 20% down, if the refi requires 30% to stay in then the extra 10% is limiting.Rents in the areas I am looking come in on average $2000 mo. for a place costing $250k.

Not a good idea for some of the same reasons-high costs of purchase combined with inexperience and renos gone bad/out of control. 

also, you are correct about the $4500 upfront cost.

This should draw further capital and also people looking to relocate for the cost of living.