@Aaron Kyle KinslowYour search criteria is both extremely wide and contradictory.

ADU laws for CA are state wide and cities may not make the requirements more difficult, however, they can ease them. detached garages are the best for ADU conversions.

@Emma Love we have a WIDE range of options... anything from 130K condos to 800K luxury beach homes.

Depending on several factors, like how wide your home is (distance between high and low points) and how suddenly symptoms have appeared.It's worth mentioning that it IS possible the foundation was not level at the onset back in '53. 

@Roberto Delgado work the purchase money mortgage angle...it's much easier than most folks think...it's really about meeting the sellers needs with a fair solution.

The cash flow is definitely there just because of the wide margin gap between the rent charge and the low mortgage but I want to have accurate numbers.

In Portland you'll want to have a handle on Senate Bill 608 (Oregon's Statewide Rent Control), HB 4401 (the current evictions moratorium regulation), Portland Rental Relocation Assistance (city-wide rent control and mandatory renter assistance for no-cause evictions), and the FAIR Ordinances.I'm teaching a class via Investor Lab in May on this regulation so DM me if you want info.Thanks,Kurt Lane | Chroma Property Management

This is kind of a duplicate, but I was thinking about the issue from another angle today.Since Zillow started charging there are FAR fewer rental listings (at least in this market). 

Just want you to have eyes wide open. 

(they don’t want it back and to move it themselves, they want you to sell it and come back for more business) Now considering the number of properties funded at any given moment and the ROI these HML’s are getting, it would be quite an extraordinary thing to go through this entire process and not having them work with you on this (because the amount of money stood to be lost in these proceedings eats back into the amount derived from things such as an extension on the loan and simply charging you points for doing so) Again, the ‘worse case scenario’ here I’m describing.Having said ALL of this and hopping over to PMI- this really depends on your PMI source- it could be easily assumed that for some people, working with the 'Frist Bank of Mom and Dad' as your PMI would be less complicated and seem less cumbersome (not in all cases and 'mom & dad; could be anyone) Odds are if they aren't related to you the ROI they expect could be much higher than a relative (on avg it seems maybe around 10%+, whereas a family member may ask for prime alone or something like .5%-1% above prime) My best advice would be to speak with possible PMIs you may already know as well as HMLs and simply become educated on what their requirements are- knowing what you qualify for, or alternatively don't (if you can take HMLs off the table right away knowing before you apply you don't qualify, it's going to save time in working your PMI angle faster) The single MOST important thing to keep in mind above all else is this; no matter who you work with PMI or HML- keeping lines of communication open is virial to not only the deal, but any future deals you will have with them (as they are financing) - IF anything looks like it's going to go wrong (say missing a payment) let them know so they can work with you and NEVER against you Hope this helps!