@Simon Packman - This year I got insurance for a quadplex through Steadily Insurance (Broker) that I've been happy with, so I would recommend giving them a call.

So you are saying your primary would be, DSCR?

SO why all the legalize right, well because like any good law there is a series of if's, but's and when's. 

So you are actually disproving your point rather than proving it.

Taxes are the $100, so about $290 a month expenses. $110 a month in cashflow.

A guru called this gator lending but I would strongly advise against borrowing funds for a down payment.

I think new builds don't really work from an ROI standpoint, but if you can find properties that have easy ADU conversions then the value might be there.I'm in MA and we just made ADUs legal by right, so I'm looking into the best ways to add value using them.

I know notes get called all the time.

I have read so many books, read so many posts on here, and have listened to so many podcasts.

There's a weekly meeting in the KC area called Winvestors.