This would slow up my full payoff date.Does this plan sound feasible?  

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

It was a lot of small, consistent steps, and plenty of seasons where it felt like progress was painfully slow.

LTV is useful, but don’t chase the highest if draws are slow or tight; confirm draw timing, inspections, and whether advances are in arrears so you’re not floating rehab on cards for months .

Student housing just hit roughly 95% occupancy for Fall 2025, while many conventional multifamily assets are still hovering under 90%.That’s a pretty wild gap when you think about it.Even with higher rates and tighter lending conditions, demand for quality, campus-adjacent housing hasn’t slowed down.

Being that it is the slow season here in Minnesota, we are entertaining the idea of having expenses covered over the winter.

I just don't see anything big and drastic that I think a lot of investors are thinking.What I have seen from this administration, at least when it comes to rates, is more of a steady and slow burn while avoiding any kind of big increase (as you can see from YTD on 5Y).

The $30–40K from the refi is your momentum — put it to work.Sitting on that cash too long in an expensive market slows you down.

It’s about $240K all in, worth around $275K, and rents for $1,095 per side.Even though our local rental market has slowed a bit, these leased up fairly quickly.

Above $350K, holding costs spike and days-on-market matter a lot more.You want houses that will move fast, even if the market slows.2.