Does any one have any ideas on how to combine the two?

(Sorry if I am off, but you get the idea.)The question you should be asking yourself and a Real Estate Professional are all the same questions? 

@Daniel M Gibson sticking to fundamentals and your "gut" is always the best course.Unlike 99% of the investors on this site, my take is that investing for cash flow is a bad idea...it creates a jaundiced view of how things work...meaning that investing is about controlling assets as wisely as possible...not immediate cash flow.I use seller carried loans routinely because I'm in for the long haul (and I don't need rental income to survive)...as long as the purchase price makes sense, I could care less about income...the concept is debt paydown and future equity.

Hi guys, just looking to get some opinions on a potential idea. looking at a 2/2 condo in palm harbor Florida 34683 for 100k.

that accepting full rent up front is generally not a great idea despite sounding ideal. 

My mil has excellent credit, 800+, with no debt.Any ideas on how make this happen.Heloc would be great, but the 15 year term makes the payment too hight.A 3-1 ARM would work, with co-signer, as we would refi after the second year with solid rental history adding to my mil's income so she would qualify at that time.Below are some quick numbers for this project$180k - ADU Budget$142k - Current mortgage$942 - Current monthly mortgage$585k - Current Value of home/property (no including basement refinish or ADU/Garage)$1800 - market rent on ADU$500 - current walkout basement rent ($1200 market)$2200 - mil's fixed budget (PERA retirementThoughts?

NOPE..... having a tenant run a business out of your property is almost always a bad idea.

I'd be happy to chat with you about your growth goals and share ideas on how you can build up your rental portfolios. 

Also, any other ideas outside of the typical carpet, carpet tiles, tile, vinyl rollout/plank, etc would be welcome to research more.

Hey @Justin FraserLove the idea!