Most condos don't appreciate much (especially in today's market), and I am seeing HOA fees continue to rise year after year.In terms of value added, it costs about $400/sq ft for a standard ADU here in San Jose, so it would be worth it only if you are in one of the highly sought-after neighborhoods.

This is most important to me as I earn high income and have a high tax liability.

So i want lenders but the 20% dwon doesn't work for me it's to high i get 11% rate and 20% down but the down payment too much for me not work for me 20%.. so if you can help with this or you know someone you work with and you trust so pls let me know... ty have great day

High credit means this is someone who pays their debts. 

I would highly recommend implementing this investment strategy first so you can dip your toes into real estate before trying to tackle a BRRRR deal. 

Its not even in the news cycle about "ambulance chasing laywers" suing high networth individuals. 

I would like to have someone service the loan but most seem to want at least $45 a month which seems high. 

I highly suggest that you tune in to the BiggerPockets Podcast and connect with the local lenders and brokers of the market you choose.

Are you in a density neighborhood with adjoining lot walls, risk of adjoining property damage ie rowhouse etc?

Secondly, the language of the agrement is going to be highly dependent on the project type or investment strategy.