You can only play games for so long.Chances are your next door neighbor is an IRS agent and turns you in when your tenants blocks their drive or some other random event disturbing your IRS neighbor.ADU catches fire and your insurance won't cover you, because it was an illegal and unpermitted structure.The city inspector told the last guy not to build or rent it, and is now pissed and wants to make an example of you and just red tags the whole property and no one can occupy for the next 1-2-3 years while you wait for a hearing.Then when you get the hearing, "staff" recommends you tear the whole structure down, and if you still want an ADU, you can apply for a permit and rebuild it.Your tenant quits paying rent and won't move out and you can't evict them, because there is no valid lease and they're just your "roommate".Probably a dozen other bad things can happen to you when you do stuff like this. 

The good news is you will be able to get debt on properties easier than someone who is making $50k per year assuming you don't have a bunch of bad debt.

It's possible there's a bad smell or something like that making unmarketable? 

Do lenders or appraisers treat properties with coliving setups differently?

Hi Brandon, That does seem bad for you to live there.

(They also assured me I would not take the algo hit.)I no longer default to pre-approval as for me, it's bad for business. 

When I tried to open this account though, they treated me like a criminal even though I explained this repeatedly and all of my documentation was in order.My only concern about using Solera or Titan is that there's no local branch for me to access, and I'm kind of old school.

There’s just something about owning a duplex or triplex that makes the numbers more forgiving...you’ve got multiple units covering your expenses, and if one tenant’s late on rent, at least the others might keep the ship afloat.A friend of mine once worked with a client who snagged a triplex down in Austin and ended up treating me to breakfast tacos after those first rent checks cleared.

Facebook has become a big one, but you have to watch out for bad actors.

Second: writing off the full cost of a new car is badly overhyped.