My question is: If the HOA changes the bylaws to ban smoking (which they plan to vote on), and the lease held by the smoking tenant only specifies no smoking "within the unit," is there any legal recourse for the smoking tenant?

@Roque MirandaBigger Pockets is a great place to find a tax accountant specializing in real estate taxation.A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant specializing in real estate taxation, business taxation, financial planning and tax planning.Consider working with your accountant remotely to expand your options.I would also recommend looking for an accountant willing to work with you throughout the year.

There were platinum and non-platinum plans. 

Upgrading isn't worth it if you are planning to rent it out(generally) unless you were planning on doing a refi or sell it.

Quote from @Nathan Nathan: Hi, I am planning to create LLCs in Wyoming , Michigan and Georgia.

I would recommend buying a standard SFH with opportunities for an ADU, or a split floor plan where you could rent out the rooms!

--> This is my plan.

We both run our own businesses but we feel that real estate will help make sure we both maintain our life plans of not needed to work as much any more.

I’d love to hear more about your goals and how you’re planning to use your license to grow.Wishing you all the best on this journey—feel free to reach out if you ever want to connect or chat strategy! 

People have been dropped by insurance companies in wildfire areas and had to scramble to try to find insurance - some using California Fair Plan.