@Julie Petersen, first and foremost you must determine if your zoning allows you to add additional units on your lot (let's put ADUs aside for the moment).

One more insane thing that happens to us here who borrow money- your credit score is a snapshot of one moment in time.

Didn't add a lot of value, as there were no opportunities to at the moment.

Airbnb units are great at the moment because there's definitely vacancies.

Waiting to hear back from the second lender.My partner has an existing relationship with a third lender and at last time he reached out, she said they were still up and running.I think it's a bit of a mixed bag at the moment.

And at the last moment, Chase changed their mind and said they wouldn't settle for $3,000 - they demanded $8,500 to release their lien.Normally, you would think that you would add the additional $5,500 to the loan, but if we did that, BofA would just take it because they're in first lien position and were still coming up short. 

Things are very bad at the moment and I’m wondering am I the only one financially struggling THIS bad?

I'm from Del Rio born and raised, but living in the SA area at the moment.

Right now like in almost every financial and business market what we are seeing in the "slamming on of brakes" There are no 'trends" at the moment other then an almost full stop and most of the closing being contracts already in the pipeline.

Looking into creative financing at the moment and wanted to know what avenue's people on here prefer... conventional 30 yr is what I assume to be the most popular, and I myself cash flow with conventional 15 yr so prefer that.