I not saying ADU can be paid off first. I am saying primary Residence can be paid off first. ADU being part of same house is immaterial. It is generating passive income and passive income is taxed. Debt was used to acquire both primary residence as well as ADU.
Leave ADU, if you are using portion of home for business use right from day 1, don't you now have personal debt ( home acquisition debt is a personal debt) and a business debt? You are paying interest on whole debt and whole debt is not for residential usage of the property. It includes business usage. Does paying off portion of debt on primary make sense here?
