Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with zero or negative relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Now the great thing is that you can also use the other units rents to help qualify if your coming short on income to qualify.

Though the units are collecting income now, there may be issues in the future that come up.

I am super new to REI and excited to learn and expand my knowledge to build generational wealth for my family.

The only caveat with that though is that local tax can be especially tricky for professionals to navigate as many don't even know that they exist given that they only exist in a few states for income tax.

If you dont have any verfiable employment / income -  you might not  be able to obtain  traditional  financing . 

a bit north of Homestead ave.. for 1.4 I think and put 2 to 4 apple engineers in each room for 1k each.. so 8 to 16k income per house..

Though growth markets are attractive for the appreciation, I would balance it with some cash-flowing properties (in income markets), or properties in hybrid markets (where you can some cash-flow and some appreciation).

Adding that extra unit will reduce your risk since you are adding another income stream to a property you already own.

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