I've been primarily focused on Detroit since 2019, and it's been quite the ride.Out-of-state investing has its pros and cons.

It can take a year or more to complete an ADU.

This sounds like it would be primarily an investment.

I’m located right outside the Akron area and work primarily with out of state investors (I’m a contractor/handyman) ask me anything about the area I’d love to help!

I completely agree with @Ashish Acharya's points about the cost-effectiveness of a HELOC and the potential credit implications if it’s secured by your primary residence.

However I would say those lenders would be more willing than a bank to write the mortgage, and after completion you can refinance it.Overall, its probably easier and better use of your time to just find another house that doesn't require the construction and where the numbers make sense.

How long did it take to complete those first three builds?

Alternatively, you could pause bookings for a short period to complete any bigger changes without rushing.It really comes down to whether you’re prioritizing immediate income or taking the time to make it 100% yours.

@Lauren Merendino All of your comments make complete sense.

But it might be a good idea to raise rates each year or so by $50 to $100 because it can communicate that you aren't completely checked out, and you value your property, your time, your investment.