The bank is looking at you for deciding loan eligibility here for your purposes.

Just imagine how many vacant homes have squatters and the owners don't even know.

If you decide to do that it is much easier to get the HELOC on you personal house than an investment property, another reason to set it up even if you don't "need" the cash.

I would suggest following up with the PM and ask if they have proactively provided change of management details (essentially, letting the tenants know that new owner effective 03/29/2024 and were rents should be sent).

And be sure to do the math carefully before you decide.

If I continue to get no response from the listing agent, would it be problematic to skip trace the home owner and contact them directly?

@Zach AdamsTax benefits, such as depreciation and deductions for costs associated with rental halves of the property, are available to duplex owners through house hacking.

Here is the letter that I just sent to all of the owners that we work with.

Given that it's an ADU and you are an owner occupant I would courteously terminate the lease (the how on this is going to depend on your local laws and your lease) and get a new tenant ASAP.

I think those flat free listing are everywhere  You're right- I don't think you can if you're not the owner.