If you refi to a renovation loan by including the ADU costs + paying off the existing mortgage, would your total monthly payment be financially comfortable and agreeable to you? 

We sat down and traced out a plan (i.e. paying down debt, increasing their FICO scores, saving for a down payment, type of home) and in both cases, they were ready to buy in less than a year's time. 

Contractor and pay him first his expertise 

.: Subject To and Wraps are very similar and yet, very different.Subject To & Wraps share these characteristics You are taking over payment of the mortgage and transferring the property into your name You become the owner The loan does not get paid off The lender can and sometimes will call the Due on Sale You have to have money or credit to solve a Due on Sale call They are used when someone doesn’t have much equity and doesn’t want to pay a real estate agent They are used when the seller wants to sell fast They are used when the property isn’t really a good candidate for the MLS because of the condition of the property They are used when It’s a unique property and it’s hard to find comps They are used when it’s a distressed situation that needs to be resolved They are used when the monthly payment is below market rate (that means it cash flows) They are used when the seller wants to avoid the hassles of listingSubject To & Wraps Differences In a Subject To, NO new mortgage is created.

If you are paying 20% down, you should be able to get a commercial loan in the name of the LLC.

I was considering paying the ACH fee, which is only $1/transaction. 

Too many people from California moving here (estimated 80k per year) and they are willing to pay more and get nicer homes.

But any of those deals would not have worked today.A lot of people are paying more than 20% down for things to cashflow, or they are okay with negative cash flow for a while .

I’m fairly new to real estate investing but the house I live in is paid for and I have a rental property that is paying for itself and paying me too.  

Be careful asking questions as well meaning contact your actual agent if you have one rather than a claims center because the actual insurance company could record things as a loss even if they aren't paying a claim.