House-hacking today often has to rely on much greater lifestyle sacrifice than what I personally did 10 years ago, and requires strategies that would make me uncomfortable like rent by the room, or using local laws that allow Short-Term rental only for owner-occupants. 

I personally use a broker for my properties so they can shop around, unlike Allstate.

They have no income, so they can't refi or HELOC to use their equity for their personal expense.

I'm also looking at properties in Alabama and Indiana, but haven't pulled the trigger yet due to personal complications. 

At 65 personally I'd want debt paid down or gone but it's not bad to add some more properties.

It has a very nice bath tub that is of high importance to us personally.

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So homes with ADUs sell for more, and the appraisals have followed pricing for four+ years now.I personally know an investment group that targets neighborhoods, mostly in the San Fernando Valley, where comps with ADUs are outperforming non-ADU comps so that they can refinance out the value created by their ADUs.

Both of whom I've used personally.

Certain things need to be redone for selling vs renting vs personal.