These lenders often have more experience and flexibility with properties that include ADUs and JADUs.Community Banks and Credit Unions: Local community banks and credit unions may be more willing to work with you, especially if they have a better understanding of the local real estate market and the value ADUs and JADUs bring to a property.Mortgage Brokers: A mortgage broker may have access to a wider range of lending options and could help you find a lender willing to consider your property.

For example, exploring options like PadSplit for shared housing or MTR strategies could provide avenues to achieve the 1% rule or better.

Hey Les, are you looking at traditional financing to use increased leverage or would you be going with a 20% down option?

If that sounds like a lot of work, it is, but that's what seasoned investors do.The other option is to invest OOS, but that also has risks.

I just listened to yet another mastermind class in sure you've heard of it,  WREIN, and as much as if love to join that I'm already in one... but knowing if this is a great option.   

Is “DSCR” the best option?

If i cant do a cash out refinance right away, what are my other options for trying to get my initial investment back and how long might i need to wait?

Housing prices have risen at double the rate of wages.Since interest rates are in line with historical norms and wages are not likely to rise enough to offset the higher prices in housing, the only logical remaining option is that prices are inflated and need to come down.

Leasing back to owners @ $2050/mo for 15 months effective 04/01/2023, with their option to extend 07/01/2024 for another 12 months @$2125 provided no missed payments and other violations listed in the agreement. 

We can talk over options if you like.Best of luck