Most condos don't appreciate much (especially in today's market), and I am seeing HOA fees continue to rise year after year.In terms of value added, it costs about $400/sq ft for a standard ADU here in San Jose, so it would be worth it only if you are in one of the highly sought-after neighborhoods.

Did your realtor not physically go to the house and send you any videos or pictures of the place?

*another point to mention is that the beds and baths could be appraised as below grade, making the appraised value equal to the 3 bed/2 bath

This is most important to me as I earn high income and have a high tax liability.

For a high end rental, if I were the tenant, I would want one.

So i want lenders but the 20% dwon doesn't work for me it's to high i get 11% rate and 20% down but the down payment too much for me not work for me 20%.. so if you can help with this or you know someone you work with and you trust so pls let me know... ty have great day

High credit means this is someone who pays their debts. 

I would highly recommend implementing this investment strategy first so you can dip your toes into real estate before trying to tackle a BRRRR deal. 

That's some heavy lifting, even by high standards.

I would like to have someone service the loan but most seem to want at least $45 a month which seems high.