ADU additions typically cost more than the value added.  

It's a way to avoid the usual loan challenges, but it comes with its own set of risks and things to understand.Now, the good and not-so-good parts of Subto:Good stuff: You might be able to buy faster without waiting for loan approvals and spend less upfront without typical down payments and closing costs.

No one worth their dime operates without legal assistance.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

We are still increasing to catch up to the massive market increases during 2021 and 2022.I operate the same as Mike.

Typical Landlord Dwelling policies tend to be approximately 25% more, if my research is correct?

I cannot speak with certainty, I'm only operating off of what I've been told.

While I myself operate all over Ohio and dig a lot of the markets like Cleveland, Toledo, Cincinnati, and Akron. 

Most foreign banks that operate in US also will have you go to that country of origin. 

@Victor Solomon - I second what @Katie Balatbat said.Without knowing all of the facts, If you can do it outside of an S-Corp, it is typically better.