They won't actually cashflow and you'll eventually have to sell at a loss or let them go to mortgage foreclosure.Acquiring all-in for 75%-80% is more realistic. 

Without that structure, the whole operation eventually collapses.All of what I provided if done will avoid getting conned. a huge loss.

Convert the layout for maximum value.Extra dens, large living rooms, and awkward spaces are opportunities.

If you own the land, you can possibly have the mobile home detitled and converted to real estate.

If not, keep an eye out for a single-family with a layout that’s easy to convert into two units.

Our concern is restarting the mortgage at a higher rate and larger balance, but finishing the ADU would immediately create $2,700–$3,200/month in rental income, improving DTI and helping us eventually rent out both the ADU and main house and then buy another primary.

If you convert it to a rental first, you could start depreciation and potentially defer some taxes through strategies like a 1031 exchange, if applicable.

Eventually you'll start developing relationships with people in the market that will bring you off market deals, but they have to believe that you can close the deal.

. • Converting from conventional loans to DSCR or non-QM products can make sense for investors.If the property performs well as a rental, a DSCR loan can sometimes offer more favorable terms and flexibility than the borrower’s original financing — especially for investors who aren’t trying to qualify based on personal income. • Lower monthly payments = higher reserves and more stability.When investors refinance to reduce their payment, they’re not just increasing profit.

It was a 3 unit, I eventually moved into the garden unit.