Im literally in the final stages of closing on the loan and my rate would jump from %3.75 to %4.12.None of what she mentioned made much sense and later on in the day I reached out to another lender who said he's never heard of this fee in the first place Which I also found odd.

While I don’t loan my Time Machine out to anyone for obvious reasons, I thought I could solve future problems.

Hi Oli,House-hacking is one of the best ways to get started if you can qualify for the loans.

Has anyone else, in a similar situation, had any luck getting a HELOC or Equity loan on a property with an ADU and JADU?

DSCR loans?

You can also meet other industry professionals like loan officers and real estate agents that can give you market specific real-world advice.

Any reason not mentioning DSCR Loans? 

My issue is that it would take me another couple year to regenerate the capital that will be tied up in any potential property with a not great cash on cash return, and I know a lot of the power of real estate comes from leverage and loan paydown.

Consider the potential equity loss and cost to originate another loan versus your REI goals. 

This cash flow is net of all property expenses, including loan, if any.