What kind of money do you have invested in that mirror house?

High credit profile DSCR borrowers are seeing rates in the 7% range. 

Depreciation is recaptured at a maximum rate of 25%.

I thought of banking on appreciation and rate drops as pure speculation and akin to gambling.

Purchase price: $140,000 Cash invested: $20,000 This was my first home that I purchased back in 2021 when interest rates were still low and competitive.

https://www.phila.gov/services/property-lots-housing/property-taxes/get-real-estate-tax-relief/get-the-homestead-exemption/

It wouldn't hurt checking out a DSCR loan as these rates are beating conventional products in a lot of cases right now.

Best value at selling is to remove the JADU due to poor auction the result of mostly needing a house hacker   In addition, if you already have a regularSDU (which would be primary reason to add JADU over an ADU), the property by rule does not qualify for conventional financing.  

I'm building a new MF house, targeting travel medics. 

The person who lived in the house was a family friend and we had heard they were getting ready to sell the property.