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SFH with ADU - How to depreciate the SFH if I'm living in the ADU?

My situation is backwards from what most people do. Typically people will live in the main SFH and rent out their ADU. What if I wanted to do the reverse?

Purchase property (existing SFH w/ existing ADU) as my primary residence, purchase price is around $1.2M. Live on the 600sq/ft ADU, rent out the main 2100sq/ft house.

Can I depreciate the main house against the rental income on the loan?

Would I be able to get a conventional loan for this setup?

How do you value the home? I could appraise each structure separately but you can't really sell them separately.

Anyone run into this before?

Socal is my area if that helps.

submitted by /u/anteatertrashbin
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source https://www.reddit.com/r/RealEstate/comments/lsnc5k/sfh_with_adu_how_to_depreciate_the_sfh_if_im/
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