This was completely my fault due to lack of due diligence but not having the ADU dosent kill the deal it cash flows great and I can always use the ADU as a single guest bedroom to the original rental but would be better if rented separately

Networking is a big priority for me, so I'm looking forward to building relationships within this community.If you have any tips for a newbie in the self-storage sector or just want to connect, please feel free to reach out.

Currently a "risk-free" 10-year Treasury yields 4.3%.

@Jorge Garcia I am a lender working mainly with investors and am happy to run numbers for you on a cash out refinance.Alternatively, you can do a HELOC.

You're going to need to put 25% cash down since you'll be needing a commercial loan.

I am looking to use the real estate properties cash flow to also build my retirement within this process and I am just not sure how I will be able to build for retirement as well as build my home. 

This is a tenant who thinks she can live free with section8 and not care.

Cash flow is the name of the game when it comes to controlling the asset so you are right it really doesn't matter whether the value goes up or down as long as you can carry it. 

The cash flow would then be used to repay the PML, possibly faster if the home appreciates in value.

Tenants 6 months late or not paying rent got 2 more months for free but had to vacate after lease expire.