Their income simply doesn't cover it.

House hacking is one of the most popular strategies you can take and it can be a great way to build wealth and generate passive income, but it's important to have a long-term plan in place.

They can lend you up to $250,000 towards a down payment if you are a first-time homebuyer, live or work in the county, and meet their income criteria, which I believe is up to 120% of the area's median income. 

* I usually set #4,5 at 5% of gross income

You do not generate losses of ANY kind from holding land, mortgage interest & taxes are capitalized2.

Has everything I need to generate leads, contact agents and get quality contact info.

Say property owned by “property company” gets purchased by “business LLC” for the new value, which would be a new depreciation amount about 3x higher When refinancing a commercial building that is being rented out, the valuation will typically be based on the Net Operating Income (NOI) of the property.

As for refinancing or rental loans, you can use DSCR financing which does not look at your income.

Look at the current rental income, operating expenses, and potential for future growth or improvements.

During this time you are not generating any return from the money invested in the ADU.