If so, knock that down to about 40k income. 

Does your renovation cost take into account carrying cost for the duration of the rehab?

Probably better once they move out and you are accounting for the deposit.I think you have two choices. 

Would you rather be left a retirement account with a $1million in it with required minimum distributions that are added on top of your regular income.

The adrenaline was intoxicating but the bank accounts and accounts payable were very sobering.

The money gets funded directly to your bank account in 4 to 5 business days.You can use the money however you want or you can fix and flip using the "Mo Money Matters" Program.

He verbally proposed an idea that I move in and pay rent on the whole property while collecting the income from the ADU.

Hey Aldo,The Credit score looks like you’re in the right range to get pre-approved for FHA/Conventional depending on downpaymentAuto loans long term can help diversify your credit accounts and the longer you have that loan the better it would be for your credit.

I read a post of a guy who had the coins to keep his collateral from getting sold, but couldn't log in to assign them to his account.

I plan on getting agreements before building to buy from my Utility account before commencement of solar development. at a 1cent discounted rate.