I think that I've lost the context here. and there is a lot of misinterpretation or assumptions.

Typically assumption of the loan means the buyer is just paying the loan on behalf of the seller + a down payment (equity buyout) to get the seller to hand over the property.  

Please let me know if I missed anything in my analysis.Real Estate Assumptions:  1) 25% down - most banks seem like they will not loan more than 75% on investment properties I am finding - since appreciation, not cash flow is key in the bay area, the more leverage you can get, the better your return.  

What are you basing that assumption on? 

IF it's a $500k purchase and a 2000 sq foot house you'll live in and a 500 sq foot adu only 1/5 of your gain will be able to be 1031'd into the new purchase tax free is my assumption based on surface facts. 

Interesting….My assumption is there should be a category for acquisitions that you can put the purchase price at.

Define cashflow: if your goal is to cashflow positively while living in one of the units, you’ll be looking forward (making assumptions about your market).

Just an assumption, but you’d be saving a lot more per month living in a 4plex versus staying where you are at, no matter the interest rate.

A simple google search and you'll find the credit card analogs to BP...As for your assumption, no.... 

Second, some landlords argue that they still like to issue these forms to "stick it to" their previous tenants under the assumption their ex-tenant will have to pay taxes on this forgiven debt.