What one investor may consider an inadequate return might be good for you, and vice versa.  

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

You definitely want to consider an overall softening economy but for many reasons i believe this market is a little more shielded from a declining economy than let’s say Orlando or South Florida.

So my city will consider an ADU DIY kit build as a manufactured home.

@Ben GerritsCongrats on finding what I consider an unreasonable owner. 

You should consider an early termination fee and a process.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Another option is to consider an FHA loan.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Consider an I/O ARM, like a 5/1 (with little to no pre-pay penalty).