They have four or five children ages from 2 to 7.

We are all taught from an early age to go out there and get money, to make as much money as possible and that once we are at that very high level of lots of money ONLY THEN can we really be happy. 

I would second @Tom S. and consider house hacking a small multi at your age. 

Managing a lot of single-family rentals is different when you are in your 30s than when closing on retirement age, so you can always sale your appreciated portfolio and deploy that capital into a more passive play or start doing that when you think it's appropriate for you.Good luck 👍🏾👍🏾👍🏾 

The age of the notes means I wasn't worried about previous liens, and jr liens would be cleared by the foreclosure. 

Cameron,How cool that you're doing this at such a young age! 

The rules for this type of conversion are more stringent than adding an ADU even though in effect you are just trying to add an ADU to a duplex (but it is not categorized as an ADU when being added to a duplex). 

The loan standards are more stringent, higher interest, and lower LTV.  

It's the Law of Reciprocity - you get what you give.Best of luck to you starting out, whatever your age!

 ( he puts guys 1/2 his age to shame ) .