With PMC's, often there a closer match because at least they live FT in the sphere of property monetization.

Podcast: Coliving with padsplitTriple win LIVE: Innovative shard housing with Atticus LeBlancShared Housing: How investors can double their incomeHow Padsplit WorksBooks:The House Hacking Strategy by Craig CurelopLive-in-Flip (not just house hacking but it is good to have some more ideas on monetizing your primary home)Other than that, go to your local REI meetup and you are bound to find a padsplit oriented investor.

For example, it might cost $80K to build but they charge $120K.Financing Kickbacks – Some partner with lenders and earn referral fees or offer in-house financing to profit from interest or servicing.Revenue Sharing Models – Some newer companies will build the ADU for little to no upfront cost in exchange for a cut of future rental income (often through Airbnb).Prefab/Modular Units – By using standardized designs and factory-built models, they reduce build time and labor costs, increasing profit margins.Add-Ons – Upselling property management, furniture packages, solar, or landscaping adds extra revenue per project.Each company is most likely going to be a bit different, but those are the common ways they monetize the service.

You make $ when you buy, amplify when reno, and reap when monetize. 

Positive $300/mo.

We're able to afford the place as a 2 flat, but still pondering legal options for monetizing the garden unit, if any exist. 

Explore ways to monetize the ranch (ag lease, RV pads, events), and optimize the Airbnb or convert it to a mid-term rental for more stable income.

About the only safe'ish way to do HELOC is if look at refinance, and it pencils out with a refinance at a worst-case-scenario based on future potential of rates and monetization declines, so you have that plan B if ever need be to refi it all, ok.     

Guests might appreciate the option but monetizing it could be tough. 

Adam, holding a 3.5% rate in today’s environment is like gold—definitely worth exploring ways to monetize the financing rather than just sell.Here are a few ideas:Subject-to or wrap financing: Like you mentioned, sell while leaving the loan in place.