Typically, higher income areas have lower crime, more amenities, better schools.  

The following is not to express any level of happiness/unhappiness with build or process. 

If your current lender is open to restructuring, you could negotiate better terms (lower rate or extended term).

The down payment might be a little higher, but it will be a much longer-term loan that you won't have to worry about coming up with big payment in month 24 and it'll be amortized over a much longer time period (probably 25-30 years), so the monthly payment could actually be lower. 

Here's a link https://www.oregon.gov/ODA/shared/Documents/Publications/FoodSafety/ServiceAnimalsposter.pdf You're mixing things up and only looking on a local level.

I used to live in the lower mainland but invested where the numbers work like Vancouver Island or Northern BC.

of those I like next door best because it is hard to fake and the reviews are easily tied to a reviewer in your community.The costs of ADUs vary significantly for various reasons including by ground up vs conversion, difficulty with lot (sloes, access, etc), finishes, and even the size (bigger typically have lower PSF).Good luck

You want lower land cost with high rental demand unless you're a reno expert and flipper which not 1% of real investors are. 

There are places that are tenant friendly and then there is California which is at another level completely.Have you thought about buying elsewhere? 

i'm in Pittsburgh, lower price point than Boston, trying to do my next BRRRR, and I keep getting outbid.