I'm sure there's still the risk of getting sued even with commercial lending but I bet it's less than the residential side.

Are you able to get cashflow or are you breaking even but winning on the appreciation side?

Since I am paying rent in LA(and will be working here 5+ years), I’m thinking that getting a duplex/triplex etc and living in one unit and renting out the others, living mortgage free, or as close as possible, is my best bet to start.

@Dakota Shuck I think house-hacking would absolutely be your best bet.

If it's a win-win situation, why not? 

It was a win win bc the next tenants paid 50% more bc of the reno

Win win.

It sounds like your best bet is to pursue a HELOC to finish the ADU and then submit a cash-out refi for the long term 30 YF financing. 

“Good Cause is a major win for the people of Hudson who are being forced out—through no fault of their own—by landlords chasing greater profits.”Just another incremental loss of individual freedom and property rights.  

Hey @Rudy Munoz As stated above, doing a flip and putting cash in your pocket is likely your best bet if you have a bunch of other debts.