Advice on Retaining this property

[Christine Fecko]

I'm looking for some help. My situation is that I'm getting divorced and desperate to hold onto my property. I have a single family with ADU in South Portland, a high cost high area with a gross deficit of rental units. The state of maine just passed a law that no longer requires owner occupancy of ADUs and municipalities must come into compliance. I would like to find a way to finance this property as an investment and won't qualify for a traditional mortgage with earnings if they don't include the rental income of one unit, I'd be willing to move out to keep the property with 2 rental units and let it grow equity and believe there is positive cash flow from doing this, though I don't know what the cost to buyout my husband would be at this time, worst case scenario the property is valued at 850,000- with a 200,000 buyout plus existing mortgage of 410,000 meaning I would need to secure 610,000, this is a newly built net zero property with solar that generates enough power for all the needs of both units, no electric bill, no heating costs, no cooling costs. My realtor places rent at 3500-4000 for 1 unit and 2000-2200 for second unit. I'm 3 miles to downtown Portland Maine, have off street parking, high end low maintenance materials, hardy siding, standing seam steel roof. How do I obtain funding? Who do connect with? Can I run this like a business - turn it into an LLC. I'm 60 years old and this is all I have for retirement, there is a possibility of a third unit in the walk out basement and my zone meets density for multi family. I haven't filed the ADU permit yet as the code office said once it's filed it's permanent and can't be changed to multi family. I need some advice please, appreciate your experience, expertise and wisdom

[Dan Adams]

Hi Christine.
My parents have also have a net positive house in Kennebunk.  I applaud you on that.  I aspire to build something similar.
What I couldn't get a sense of is if YOU want to live there, or specifically want to keep this house in the family for personal reasons.   Feelings were not figured into my response.  
I've discovered that rental investing in southern Maine since the pandemic is the worst.
So if you are looking into that, explore some other areas just to see how they compare.
I'm not looking to build an empire and make a ton of money like most folks here.  I've just found that rental investing in Southern Maine just doesn't seem to work right now.