Whatever reasons you come up with could apply to properties that cashflow. 

If you are using their money for a down payment, are you really planning on renting it to them in a traditional sense or simply having them pay for the mortgage, insurance, taxes, etc (ie you won't be renting it at market value more you are buying the home for them and they are making all of the payments and repairs?

I got un-renewed by my old ins and rejected by almost all ins companies (except for some crazy ones quoting me 10k/year) on my primary house, which is far from any fire zone but I had 2 claims on my 2 rentals (I am a small player so under my name not LLC) in the past 3 years so I got fked. 

To be a reliable and successful Private Money Lender, focus on building strong relationships with borrowers and real estate professionals, thoroughly assess each investment opportunity by conducting due diligence on the property and the borrower's financial background, and establish clear lending criteria to mitigate risk.

Hi, I am reaching out because a couple of properties that have equity and I am looking for ways to pull some of that equity to redeploy the money into the properties to do improvements to maximize my income streams by building ADUs.

i’m referring to multiple bedrooms for student housing in the scenario.

Who can I reach out to to analyze the data? 

Flipping can look very appealing but in the beginning be ready to make many mistakes unless you are partnering up with an experience flipper.

Would like to get the process going. 

Your Net Worth ROI calculation takes into account the appreciation, loan paydown, tax benefits, and the rent avoidance (the difference in what you pay towards your mortgage compared to your rental situation).