I know I am not calculating the interest on the loan, so ill add a whole year worth of payments ($60K, is that reasonable?)

This past July one of my rentals suffered a massive fire due to careless cooking.The tenant was ill and took some medication.

Sometimes it's possible to re-transmit the appraisal to the lender but it has to be an acceptable appraiser and a recent appraisal.

Others like it but ill pass.

For example, we renovated a kitchen in one of our rental units and we had the cash to pay for it, but I put it on a credit card because it was interest free for 18 months, plus 1.5% cash back, as well as a $150 bonus....so now ill just let that balance linger and make my monthly payments and then when the intro period is close to over, ill pay it off and maybe never use that card again, or maybe pay it all off except a couple hundred so they can get a few bucks of interest on me.One thing I have noticed is that if they never earn any interest off you, they wont let you open other cards or give you anymore good offers.....they will reject your application.

I found out later the info sits in the "environmental office" and they don't always transmit the info to the central database.

Would be happy to hop on a call and talk more if you would like but Ill put my thoughts here as best I can. 

We are also working on seller financing for part of the cost to lessen the amount needed to hit 20% as we don’t think it makes sense to pay PMI here. basically thinking ill make monthly payments to them over the next 2 years.

If the death were from natural causes say, an illness, most buyers won’t care.

Many towns may not allow an ADU, while others will not have sufficient governmental oversight to even care what you do as long as it's not a house of ill repute.