I calculate that a quadplex would make my effective rent $350 below what I'm paying in rent today and when its fully rented it would bring in $700.It takes longer to get the quad but it has a positive effect on my saving rate versus treading water in the duplex which requires me to move to "make" money.

Save and pay down mortgage to 20% equity ($292,000).

I just need an idea of where to start.

Start talking with lenders now because they can give you an idea of what you can afford.

The idea of a large amount of money being concentrated in one loan is a little concerning.

SeanOther banks may be different but I have a savings account at the same bank that holds my heloc.

ADUs are not the worst idea as you are providing more units within lot lines that already exist.

Creating an automated system for tenant screening, background checks, and lease document generation could save investors valuable time and ensure compliance with legal requirements.

Very neat idea… thanks for sharing!

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