Probably getting a little ahead of myself.

While frustrating for the typical investor, the Blackstone's of the world still have to provide an alpha (outperform the market or other available investment vehicles) to their investors or they will park their capital in another sector or asset.Removing capital from a business is almost the equivalent of removing gasoline from a car, without gas the business can't run.

Options in your current position is, if you were considering renting out the ADU , sure go ahead and do....until someone gets Code Enforcement on you then you deal with that headache at that moment.

I've always been told to avoid variable rates but if it's essentially a fixed rate for the first 10 years, is it a bad idea to go ahead and refinance with them and just expect to refinance again before the 10 years are up?

With ground rent you only own the structure which is like a mobile home/ vehicle, not real estate.

There is no promise rates will fall at any time ahead, that's a gamble and the three points then wasted money.

It just requires a bit of planning ahead to make sure that this occurs.

This way, you can ensure that you will have a solid financial future ahead of you. 

@Dominick JohnsonDo you think that is solid to say if the long-term goal is to keep all properties, that go ahead and transfer your SFH properties to your LLC, once you gather a few then go for portfolio lending / refinance to liquify your equity?

Having $20k saved up while in college already puts you so far ahead of the curve it's not even fair for the rest of the people in your age group.