There are few books out there that are well written on the subject.

"Worth it" is highly subjective.

Or, if your investment holdings are in a Roth IRA, your investment gains accumulate tax-free, and you can withdraw it tax-free.You still must wait until you reach age 59½ to withdraw your funds, or else you will be subject to an early withdrawal penalty, and the withdrawal will be included as ordinary income on your tax return.

Instead of being a cash out refi, it will qualify as a rate term refi at that point and not be subject to seasoning.

Just confused on what to do here... do I need to talk to her lender about the lien, I have scoured the Internet and YouTube but the best answer I’m getting is a subject to but without a mortgage, and only a lien... how can I do this?

The ADU is not subject to Los Angeles Rent Control and for the first fifteen years of the ADU being built it is not subject to CA rent control.  

This questions is posed for all of the property owners who have been subjected to this for decades.

This questions is posed for all of the property owners who have been subjected to this for decades.

I am looking for some mentorship on this subject.

When you take it sale from the 2nd mortgage position, you place your bid on your 2nd mortgage subject to the 1st mortgage.