> *I could divide my house into 2 units with a few walls and electrical work. Lots of houses have unused or underused attic/garage/conditioned space that can be

> *I could divide my house into 2 units with a few walls and electrical work. Lots of houses have unused or underused attic/garage/conditioned space that can be converted relatively cheaply. A few walls, some electrical work, an entirely new kitchen, and a new master bath unless you happen to have a house with two full bathrooms.