Given 10 years ago BTC was a fraction of what it's worth now percentage based draw downs are a bit misled given absolute value differential.BTC adoption has gone institutional, prior it was emerging markets and little retail.

This is a modest benefit compared with giving 10% of your income, so for a generous donor, the tax savings from the deduction will cover only a small fraction of your total donations.If you do itemize, the law imposes a new floor: only the portion of your total charitable contributions that exceeds 0.5% of your adjusted gross income (AGI) will be deductible.

If cost is your concern, this is the cheapest version that still stays safePermit:ElectricalHVACBathroomNew door/windowsDo not permit:KitchenChange of use from “garage” to “dwelling” (expensive)This keeps the project at a fraction of full conversion cost while giving you 90% of the livable utility.Bottom lineYes, this is done constantly in Tampa.Yes, your plan works.Yes, the permitting can be simple if you don’t trigger “second unit” red flags.Yes, renting the two floors separately is a non-issue if structured as one ADU.

Also, a large fraction of HML loans will have a clause that further encumbering the property with addtional loans is a technical default.

A sudden jump to $2K+ in recommended services, especially from a company that just took over, can be a red flag.For the coil, depending on the unit's setup, it might be possible to clean it yourself or hire someone for a basic cleaning at a fraction of the quoted price.

For residential properties under $1M, newer platforms like room42.io can deliver defensible studies at a fraction of traditional costs ($500-600 range), which makes the ROI much better for smaller deals.

The brokerage firms that sold these “investments” settled class action for a small fraction of what they “earned” in commissions. 

Fractional sale of operations ≠ fractional sale of landMost people confuse these two.You can buy part of the business.You cannot buy part of the dirt unless it’s legally divided.Bottom lineBuying “10 pads” physically is almost impossible.Buying part of the park or the income is absolutely possible and very common.

I am a landlord with rural (read low value) apartment buildings which are in reality worth a fraction (like a quarter) the replacement costs computed by insurance companies.

Combine your retirement funds and your personal funds to make the purchase with a strategy called fractional investment.