DTI < 33%I've been constantly getting advised by my real estate agent (& i've discussed this with multiple agents) that if I add any contingencies to the offer, it won't stand a chance in the bay area market.If that is the case, how do I protect myself from challenges which could be found during home inspection / pest inspection related contingencies?

Many of these platforms integrate directly with QuickBooks Online, which I use for my clients.

See my DSCR comment a above. 

The issue is building a single small residential unit is some of the most expensive development.Here is a list of why adding a single ADU in single family zoned areas in my CA market is typically a poor RE investment:1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.

For 2025 I will be taking a leave from my fulltime W2 work start 1st July for rest of the year.

My very first deal, I was told could not be done.

I've partnered with several contractors over the years (before I got my own license) and it is very normal for the contractor to be paid for materials and labor, even if they are doing the build "at cost"It's complicated and as other have stated, you've gotten yourself in too big of a mess to be sorted out by some people on an internet forum. 

My personal opinion is that, while shifting investments into real estate may be the right move for your situation, there is likely a lot of work to be done before you get to that step to avoid a potentially costly mistake. 

Now if it's a lot of rain, yes, the root systems are compromised but that would be.... well at that point one would have to say God's sending a clear message, right. 

Brian,Please re-read my response.