The pro of duplexing up if you can is avoiding the potential cold, dampness and/or water intrusion in a garden unit.

I got a sizable loan with absolutely zero proof of any hardship, ownership, they never requested any records or anything. 

My goal is to have the most CF positive (+1k CF preferred) and tenant proof house in the neighborhood. 

Homeowners with qualifying homes will see the initial cash offer prominently displayed at the top of their property information on Zillow.

Renovate, tenant proof as much as you can before you rent it.

Put the notice in writing and send one copy by registered mail with proof of delivery.

Agree with others who've said you need some proof you know what you're doing.So:1.

One of the best bank relationship I ever had, held 20b in deposits, and 26b in assets (displayed in thousands on that website).

We'd be planning to purchase our home in 3-6 months, but it's possible we can do this sooner if we need to have employment proof prior to moving.

No one going to lend someone money with no proof they can handle it...or if they do it'll likely require you to have more at stake then they do.As mentioned above house hack can be fantastic way to get started.