Here is my situation:I've owned and lived in my house as my primary residence for 3 years.Up until the last year, I have rented out spare bedrooms (space within the living area).I got married about a year ago and my spouse has now been living in the house as her primary residence for 12 months.Question 1: IRS publication 523 states in the section under Business or Rental Use of Home, "If the space you used for business of rental purposes was within the living area of the home, then your usage doesn't affect your gain or loss calculations.

For a 7 year old roof you should be able to find replacement cost coverage on your roof if you want it.This is a really good example of why I always say insurance is not all created equal and it's important to have an agent that can/will intelligently explain policy provisions.It sounds like you determined you had ACV on your roof on your own. 

You'll want to get a local agent who can source off-market deals for you.

Partner Driven financed the Watering Place deal using its own capital, covering the $350,000 purchase price and $1,500 in minor renovation costs.

I would call the city/town and ask general questions...wouldn't tell them you own some non-permitted ADUs.Find and attend some real estate networking events; maybe you'll meet another person who has dealt with this kind of situation.If you have the funds, you may want to talk with a local real estate attorney and see what they advise. 

I noticed some of the wealthiest people I knew owned real estate.

Cashflow over mortgage $650 or more Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I own vacant lots in a Qualified Opportunity Zone.   

I have Access to more that's just my own liquid on hand.

Working with a knowledgeable agent and mortgage broker can help you find suitable financing options.Thank you!