Should I convert my garage into ADU for a Short Term Rental?

[Renee Coss]

My husband and I are looking for ways to generate passive income, so we did done some research on a garage conversion ADU. We live in Inglewood, California. They have just built two large stadiums near by, so we thought we would build ADU and do short term rentals. Then I did more research and found out the City of Inglewood does not allow you do STR with a newly built ADU. My plan was to do a Home Equity Loan and the STR income will pay off loan in maybe 3 years. If i do long term rentals i could only charge 1,600-1,800 a month in rental income. Not sure what to do now, and i don't want to carry a loan for a long period of time. Any suggestions??