You could probably also forgo the garage below, which might cut out some of the cost (though not as much as you think), and also use a more cost-effective builder.

All depends on the terms ($15k spread out over 20-30 years at low interest is like $50 per month)  If it doesn’t affect the CF much, then who cares- it’s still a deal!

Many contractors try to cut corners to make the most money possible for their company, but that is not always what is best for you.

Take care!

They take care of meRamsey

In regards to estate planning and assisted living, my mom is considering long-term care insurance to help with her living costs once she retires. 

Take care of your finances and then plan your living situation within the relationship.

Have a kitchen remodel I'm planning on my personal residence as well as having an egress window cut out for a bedroom addition.

I have a HELOC loan on my primary residence and I have recently had some family that I'm going to have to leave the state to take care of and it's going to be a substantial amount of time  2 years minimum and I was wondering if I could rent my home out  while I am away taking care of family  not selling my residence  but renting it out for two years while I take care of my family business ?

You’re not at the 1 percent rule so I can almost guarantee with the added expenses of multifamily (like lawn care, water, etc) you’ll likely be cash flow negative.