In order to get $700 per month on a 10 year note like you proposed, you'd have to charge around 17% interest, which is essentially illegal (I won't go into usury laws or possible Dodd-Frank stuff here).

Not to pull the race card, but being black, single woman in Fredericksburg doing business in many capacities have been difficult for me.  

Drumming up fake injuries and charging absurd legal fees will burn up your insurance limits real quick.

Finally he inspected the alarm clock and learned that it contained a hidden camera and a memory card.

I used the following to make my down payment: a.Cash saved in the 2 or 3 months between my girl friend and meb.Personal loan from the bank at I think some 15% interestc.Cash from credit card – something I will never do again but I had no other choice at that time11 days before my birthday I walked into my new house – my own house!

Blah blah blah, the tenant made an excuse and said they shouldn't get charge etc.... 

I do not charge them or collect the money so I'm out of the equation.My 2 cents

And I do have a credit card currently with Navy Federal ( I am former Military )  so to get the 90% LTV on a Cash-Out refi. .... just do the ref through Navy Federal ? 

With regards to rental income, these ADUs are a niche market, and you can charge about $3/s.f. to $3.50/s.f.  

Might be different in Maryland, but in Florida I'd probably charge $200-$300.