The point of the questions above is to emphasize that renting out by the room increases your chances for more problems.

I've already renovated one of the bathrooms, and I’m planning to paint the interior, update the kitchen cabinets, possibly sand the wood floors, build a fence is a corner lot and increase the rent for the room since my tenant is currently renting the entire 3-bedroom, 2-bathroom house for $800 a month.

Addressing Housing Demand -California’s housing shortage is well-documented, and SB 9 directly targets the problem by promoting small-scale, incremental density increases.

Each market is different but as a national average, the increasing rates have increased the inventory.

The closer you are to Huntsville the rental demands increase.

Quote from @Rich Davis: I know there have been posts regarding the ever increasing cost of insurance.  

Rent roll is $12,000 and increases to $13,000 in April 2025. 

Then build a life and set goals around increasing the number of perfect days you have each year, instead of decreasing them.2.

There is nothing illegal about Subto when it is done legally, as you infer.Actually, Due on Sale is a result of banks calling loans due back in the 70's and 80's, simply because interest rates had increased and other spurious events like that.

The mortgage has gotten out of hand due to property tax increases, miscalculated escrow, and an increase in my interest rate from an initial buy down, increasing from $2600/mo to $3200/mo.