Don't hesitate to offer significantly above the asking price, as you always have the option to negotiate it down later.

It may be worth speaking with a different lawyer or financial advisor to get a second opinion and weigh the pros and cons of each option before making a decision.

Its not as polished as other options though. 

 - if the workshop tenant does move on, the ADU option is still there and can likely leverage much of the workshop effort.  

I've never gotten more snail mail in my life (mortgage statements, bank statements, invoices, etc.) and it seems like every time we turn it to "paperless" options, the mortgage is sold and then I get all new mailed statements to turn off again.

I'm sure you have heard about FHA loans, they are great for house hacking, and you can get a better understanding of your next steps by hearing their recommended options as well.

well if you're interested in speaking about the furnished rental option, let me know!

If you have bad credit an FHA 3.5% down loan can be a good option.

In FL, you may not have options on the Wind.  

If you want to learn more about this product option feel free to reach out.